Wearable intelligent vision device apparatuses, methods and systems

ABSTRACT

The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

PRIORITY CLAIMS

This application claims priority to U.S. provisional patent applicationSer. No. 61/834,968, filed Jun. 14, 2013, entitled “Wearable IntelligentVision Device Apparatuses, Methods, and Systems.”

This application is a continuation-in-part application to U.S.non-provisional patent application Ser. No. 14/148,576, filed Jan. 6,2014, entitled “Multi Disparate Gesture Actions and TransactionsApparatuses, Methods, and Systems,” which claims priority to UnitedStates provisional patent application Ser. No. 61/749,202, filed Jan. 4,2013, entitled “Multi Disparate Gesture Actions and TransactionsApparatuses, Methods, and Systems,” and U.S. provisional patentapplication Ser. No. 61/757,217, filed Jan. 27, 2013, entitled“Augmented Reality Vision Device Apparatuses, Methods And Systems.”

This application claims priority to PCT International Application SerialNo. PCT/US13/20411, filed Jan. 5, 2013, entitled “Transaction VisualCapturing Apparatuses, Methods and Systems,” which in turn claimspriority under 35 USC § 119 to U.S. provisional patent application Ser.No. 61/583,378, filed Jan. 5, 2012, U.S. provisional patent applicationSer. No. 61/594,957, filed Feb. 3, 2012, and U.S. provisional patentapplication Ser. No. 61/620,365, filed Apr. 4, 2012, all entitled“Augmented Retail Shopping Apparatuses, Methods and Systems.”

The PCT International Application Serial No. PCT/US13/20411 claimspriority under 35 USC § 119 to U.S. provisional patent application Ser.No. 61/625,170, filed Apr. 17, 2012, entitled “Payment TransactionVisual Capturing Apparatuses, Methods And Systems,” and U.S. provisionalpatent application Ser. No. 61/749,202, filed Jan. 4, 2013, and entitled“Multi Disparate Gesture Actions And Transactions Apparatuses, MethodsAnd Systems.”

The PCT International Application Serial No. PCT/US13/20411 claimspriority under 35 USC §§ 120, 365 to U.S. non-provisional patentapplication Ser. No. 13/434,818 filed Mar. 29, 2012 and titled“Graduated Security Seasoning Apparatuses, Methods and Systems,” and PCTinternational application serial no. PCT/US12/66898, filed Nov. 28,2012, entitled “Transaction Security Graduated Seasoning And RiskShifting Apparatuses, Methods And Systems.”

The aforementioned applications are all hereby expressly incorporated byreference.

This patent for letters patent disclosure document describes inventiveaspects that include various novel innovations (hereinafter“disclosure”) and contains material that is subject to copyright, maskwork, and/or other intellectual property protection. The respectiveowners of such intellectual property have no objection to the facsimilereproduction of the disclosure by anyone as it appears in publishedPatent Office file/records, but otherwise reserve all rights.

OTHER APPLICATIONS

This application incorporates by reference, the entire contents of U.S.non-provisional patent application Ser. No. 13/327,740, filed on Dec.15, 2011, entitled “Social Media Payment Platform Apparatuses, Methodsand Systems.”

FIELD

The present innovations generally address apparatuses, methods, andsystems for enhanced interactive user interface, and more particularly,include

BACKGROUND

Consumer transactions typically require a customer to select a productfrom a store shelf or website, and then to check it out at a checkoutcounter or webpage. Product information is typically selected from awebpage catalog or entered into a point-of-sale terminal device, or theinformation is automatically entered by scanning an item barcode with anintegrated barcode scanner, and the customer is usually provided with anumber of payment options, such as cash, check, credit card or debitcard (i.e., a magnetic rectangular shaped card). The consumer carriessuch payment items, i.e., cash bills, a check book, various magneticcredit or debit cards in a wallet, in order to purchase at a merchantstore. Once payment is made and approved, the point-of-sale terminalmemorializes the transaction in the merchant's computer system, and areceipt is generated indicating the satisfactory consummation of thetransaction.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying appendices and/or drawings illustrate variousnon-limiting, example, inventive aspects in accordance with the presentdisclosure:

FIGS. 1A-1-1C-3 provide block diagrams illustrating various examples ofWIVD wearable devices within embodiments of the WIVD;

FIGS. 1D-1 to 1K provide block diagrams illustrating various exampleaspects of WIVD augmented reality scenes within embodiments of the WIVD;

FIG. 1L shows a block diagrams illustrating example aspects of augmentedretail shopping in some embodiments of the WIVD;

FIGS. 2A-2E provide exemplary datagraphs illustrating data flows betweenthe WIVD server and its affiliated entities within embodiments of theWIVD;

FIGS. 3A-3E provide exemplary logic flow diagrams illustrating WIVDaugmented shopping within embodiments of the WIVD;

FIGS. 4A-4M provide exemplary user interface diagrams illustrating WIVDaugmented shopping within embodiments of the WIVD;

FIGS. 5A-5F provide exemplary UI diagrams illustrating WIVD virtualshopping within embodiments of the WIVD;

FIG. 6 provides a diagram illustrating an example scenario of WIVD userssplitting a bill via different payment cards via visual capturing thebill and the physical cards within embodiments of the WIVD;

FIG. 7A-7C provides a diagram illustrating example virtual layersinjections upon virtual capturing within embodiments of the WIVD;

FIG. 8 provides a diagram illustrating automatic layer injection withinembodiments of the WIVD;

FIGS. 9A-9E provide exemplary user interface diagrams illustrating cardenrollment and funds transfer via WIVD within embodiments of the WIVD;

FIGS. 10-14 provide exemplary user interface diagrams illustratingvarious card capturing scenarios within embodiments of the WIVD;

FIGS. 15A-15F provide exemplary user interface diagrams illustrating auser sharing bill scenario within embodiments of the WIVD;

FIGS. 16A-16C provide exemplary user interface diagrams illustratingdifferent layers of information label overlays within alternativeembodiments of the WIVD;

FIG. 17 provides exemplary user interface diagrams illustrating in-storescanning scenarios within embodiments of the WIVD;

FIGS. 18-19 provide exemplary user interface diagrams illustratingpost-purchase restricted-use account reimbursement scenarios withinembodiments of the WIVD;

FIGS. 20A-20D provides a logic flow diagram illustrating WIVD overlaylabel generation within embodiments of the WIVD;

FIG. 21 shows a schematic block diagram illustrating some embodiments ofthe WIVD;

FIGS. 22a-b show data flow diagrams illustrating processing gesture andvocal commands in some embodiments of the WIVD;

FIGS. 23a-c show logic flow diagrams illustrating processing gesture andvocal commands in some embodiments of the WIVD;

FIG. 24a shows a data flow diagrams illustrating checking into a storein some embodiments of the WIVD;

FIGS. 24b-c show data flow diagrams illustrating accessing a virtualstore in some embodiments of the WIVD;

FIG. 25a shows a logic flow diagram illustrating checking into a storein some embodiments of the WIVD;

FIG. 25b shows a logic flow diagram illustrating accessing a virtualstore in some embodiments of the WIVD;

FIGS. 26a-c show schematic diagrams illustrating initiating transactionsin some embodiments of the WIVD;

FIG. 27 shows a schematic diagram illustrating multiple partiesinitiating transactions in some embodiments of the WIVD;

FIG. 28 shows a schematic diagram illustrating a virtual closet in someembodiments of the WIVD;

FIG. 29 shows a schematic diagram illustrating an augmented realityinterface for receipts in some embodiments of the WIVD;

FIG. 30 shows a schematic diagram illustrating an augmented realityinterface for products in some embodiments of the WIVD;

FIG. 31 shows a user interface diagram illustrating an overview ofexample features of virtual wallet applications in some embodiments ofthe WIVD;

FIGS. 32A-G show user interface diagrams illustrating example featuresof virtual wallet applications in a shopping mode, in some embodimentsof the WIVD;

FIGS. 33A-F show user interface diagrams illustrating example featuresof virtual wallet applications in a payment mode, in some embodiments ofthe WIVD;

FIG. 34 shows a user interface diagram illustrating example features ofvirtual wallet applications, in a history mode, in some embodiments ofthe WIVD;

FIGS. 35A-E show user interface diagrams illustrating example featuresof virtual wallet applications in a snap mode, in some embodiments ofthe WIVD;

FIG. 36 shows a user interface diagram illustrating example features ofvirtual wallet applications, in an offers mode, in some embodiments ofthe WIVD;

FIGS. 37A-B show user interface diagrams illustrating example featuresof virtual wallet applications, in a security and privacy mode, in someembodiments of the WIVD;

FIG. 38 shows a data flow diagram illustrating an example user purchasecheckout procedure in some embodiments of the WIVD;

FIG. 39 shows a logic flow diagram illustrating example aspects of auser purchase checkout in some embodiments of the WIVD, e.g., a UserPurchase Checkout (“UPC”) component 3900;

FIGS. 40A-B show data flow diagrams illustrating an example purchasetransaction authorization procedure in some embodiments of the WIVD;

FIGS. 41A-B show logic flow diagrams illustrating example aspects ofpurchase transaction authorization in some embodiments of the WIVD,e.g., a Purchase Transaction Authorization (“PTA”) component 4100;

FIGS. 42A-B show data flow diagrams illustrating an example purchasetransaction clearance procedure in some embodiments of the WIVD;

FIGS. 43A-B show logic flow diagrams illustrating example aspects ofpurchase transaction clearance in some embodiments of the WIVD, e.g., aPurchase Transaction Clearance (“PTC”) component 4300;

FIG. 44 shows a block diagram illustrating embodiments of a WIVDcontroller; and

The leading number of each reference number within the drawingsindicates the figure in which that reference number is introduced and/ordetailed. As such, a detailed discussion of reference number 101 wouldbe found and/or introduced in FIG. 1. Reference number 201 is introducedin FIG. 2, etc.

DETAILED DESCRIPTION Wearable Intelligent Vision Device (WIVD)

The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS(hereinafter “WIVD”) transform mobile device location coordinateinformation transmissions, real-time reality visual capturing, mixedgesture capturing, bio-sensor data, via WIVD components, into real-timebehavior-sensitive product purchase related information, shoppingpurchase transaction notifications, and electronic receipts.

In one embodiment, a WIVD device may take a form of various wearabledevices that can be worn or attached to a human body in a similar manneras a general purpose gadget for daily life use; the WIVD device may beworn by a user in close contact or within proximity of the human body sothat the WIVD device may capture and/or sense user biologicalcharacteristics data, such as, but not limited to heart rates, pulserates, body movements, blood pressure, vision focus, brain wave, and/orthe like. Examples of a WIVD device may include, but not limited to apair of glasses, headbands, headphones, neck straps, neck collars, wristwatches, wrist bands, keychain fobs, tokens, footwear, and/or the like.For example, in one implementation, the WIVD device may take a formsimilar to a pair of eyeglasses, which may provide an enhanced view withvirtual information labels atop the captured reality scene to a consumerwho wears the WIVD device. For another example, in one implementation,the WIVD device may take a form similar to a wrist watch, which maycomprise a LCD display to synchronize with a user mobile wallet (e.g.,to display push messages, alerts from the wallet, a QR code sent fromthe wallet, etc.).

FIGS. 1A-1 and 1A-2 provide example structures of exemplary WIVD devicesin the form of a wrist watch and a pair of glasses within embodiments ofthe WIVD. As shown in FIG. 1A-1, the WIVD device within embodiments maytake a form similar to a wrist watch (and/or a wrist band, a headband, aneck collar, etc.). The WIVD watch 103 a may comprise a LCD displayscreen 106 a at its front surface 130 a.1. In one implementation, theWIVD watch 130 a may comprise a wireless receptor (e.g., WiFi, 3G,Bluetooth, Near Field Communication chips, etc.), so that the WIVD watch130 a may wirelessly communicate with a user mobile wallet, a merchantsystem, or a WIVD server. In one implementation, the WIVD watch maycomprise a GPS component 106 c to obtain user location.

In one implementation, the LCD display screen 106 a may provide displaysof time, date, local weather, local traffic alerts based on the GPSinformation, and/or the like. In one implementation, the WIVD watch 130a may receive messages from a user mobile wallet, merchant system, or aWIVD server, e.g., offers/coupons that are applicable at a merchantstore when the user mobile wallet determines the user is physicallypresent in store based on the user's location, and/or user in-storecheck-in (e.g., see FIG. 1B), etc. In another implementation, the WIVDwatch 130 a may receive a QR code generated by the user mobile wallet, amerchant store, or a WIVD server, e.g., when any of those entitiesdetermines that the user is physically present at a location where theQR code could be utilized. For example, if the user is determined to beat or approaching a stadium for an event, a QR code may be generated foruser ticket information, so that the user may use the QR code foradmission (e.g., see 130 a in FIG. 1C-2).

In another implementation, the back surface 130 a.2 of the WIVD watchmay comprise EEG sensor arrays along the back side of the watch 107 a,and along the watch band 107 b, so that the EEG sensors are in contactwith the user's skin to capture a user's pulse rate, blood pressure,body temperature, and/or other biological characteristics to, e.g.,determine user sentiment. In further implementations, the WIVD watch 130a may be equipped with motion sensors, accelerometers, gyroscopes,and/or the like to detect user's body movements, directions, gestures,and/or the like.

Within embodiments, as shown at FIG. 1A-2, the WIVD device, which maytake a form similar to a pair of glasses, may have a plurality ofsensors and mechanisms including, but not limited to: front facingcamera 108 b to capture a wearer's line of sight; rear facing camera totrack the wearer's eye movement, dilation, retinal pattern; an infraredobject distance sensor (e.g., such may be found in a camera allowing forauto-focus image range detection, etc.); EEG sensor array 108 a alongthe top inner periphery of the glasses so as to place the EEG sensors incontact with the wearers brow, temple, skin; dual microphones—the firsthaving a conical listening position pointing towards the wearer's mouthand a second external and front facing microphone for noise cancellationand acquiring audio in the wearer's field of perception; accelerometers;gyroscopes; infrared/laser projector in the upper portion of the glassesdistally placed from a screen element and usable for projecting richmedia; a flip down transparent/semi-transparent/opaque LED screenelement 108 c within the wearer's field of view; a speaker having anoutward position towards those in the field of perception of the wearer;integrated headphones that may be connected by wire towards thearmatures of the glasses such that they are proximate to the wearer'sears and may be placed into the wearer's ears; a plurality of removableand replaceable visors/filters that may be used for providing differenttypes of enhanced views; and/or the like. In one implementation, theWIVD glasses 130 b may have a LCD on the inside wall of the glasses tolight the eye area with consistent soft light so that the WIVD cameramay capture eye movement and vision focus.

In a further implementation, the WIVD glasses 130 c may comprise aretina scanner and/or an iris reader at the rear side of the glasses 108d. Within implementations, the WIVD glasses 130 b may obtain userretina/iris information as a user identity confirmation for security(e.g., see FIG. 3D)

FIG. 1B depicts a block diagram of the WIVD device in an exemplary WIVDsystem. A user 170 may wear a WIVD device 171, which may be in the formof a watch or eyewear as described above, or in other wearable forms(e.g., headband, wrist band, jewelry, handbag, etc.). The user 170 mayin addition carry a mobile device 172, such a smartphone. The WIVDdevice 171 may wireless communicate (e.g., via Bluetooth, radio, NFC,etc.) with the mobile device 172. In one exemplary embodiment where aWIVD device 171 is connected to a mobile device 172, the WIVD device maybe primarily responsible for the functions of sensing, for example,biometric information, environmental information, etc., displayinginformation to the user, providing a user interface for communicatingwith the mobile device 172 or other remote system via the mobile device172, among others. The connected mobile device 172, on the other hand,may have the primary responsibility of communicating with other remotesystems via WiFi or the Internet, executing software and apps, andperforming other functions that require additional system resources(e.g., processing power or memory). In another exemplary embodiment, theWIVD device 171 may have sufficient local system resources (e.g.,processing power, memory, storage, communication capabilities, etc.) tocommunicate with other remote systems, execute software and apps, andperform any other function performed by the mobile device 172 in thepreviously mentioned embodiment.

The WIVD device 171 may perform a variety of functions due to its closeproximity to the user. For example, the WIVD device 171 may have sensors(e.g., EEG sensors, cameras, etc.) for measuring biometric information173 associated with the user 170. For instance, the user's 170 heartrate 173 may be measured by a WIVD device 171 in the form of a wristwatch, wrist band, necklace, etc; the user's 170 brain activity 173 maybe measured by a WIVD device 171 in the form of a headband, eyewear,etc.; the user's 170 pupil dilation and eye patterns 173 may be measuredby a WIVD device 171 in the form of an eyewear, etc. The WIVD device 171may also detect environmental information 174 (e.g., view, location,temperature, humidity, etc.) around the user 170. For example, a WIVDdevice 171 in the form of an eyewear or jewelry may have cameras fordetecting the user's 170 view. A WIVD device 171 may also include a GPSdevice for determining the user's 170 location (e.g., such as the user's170 location within a store or whether he is at a particular store). AWIVD device 171 may also include a temperature sensor and humiditysensor to detect the current temperature and humidity experienced by theuser 170. The biometric information 173 and environmental information174 detected by the WIVD device 171 may be transmitted (e.g., pushed) tointerested, subscribing systems (e.g., the mobile device 172 or otherremote systems) continuously, periodically, or upon detection of anyunusual activity (e.g., sudden changes in biometric values, biometricvalues exceeding a predefined threshold, etc.). The WIVD device 171 mayalso detect and transmit biometric information 173 or environmentalinformation 174 upon request (e.g., from the mobile device 172 or otherremote systems).

The WIVD device 171 may provide any conventional user interfaces 175(e.g., message windows, control options/menus, voice prompts, etc.)based on the device's form and output device. For example, as describedabove a WIVD watch 171 may have an LCD screen; a WIVD eyewear 171 mayhave a flip down transparent/semi-transparent/opaque LED screen or anLCD screen on the inner surface of the eyewear's lens(es); and otherWIVD 171 forms that are unsuitable for having visual displays mayinstead use voice outputs as the user interface (e.g., a text-to-speechengine for reading messages or generating voice prompts). The WIVDdevice 171 may also receive commands 176 issued by the user 170. Forexample, the WIVD device 171 may have voice recognition capabilities toreceive voice commands; a touch screen for receiving touch input; motionsensors, accelerometers, and/or gyroscopes for detecting gesturecommands; physical buttons or other mechanical input devices; etc. Aftera command 176 is received, the WIVD device 171 may process it itself orforward it onto an intended device (e.g., the mobile device 172) orother systems. If the WIVD device 171 is connected to the mobile device172, the user 170 may simply use the WIVD device's 171 user interface175 to interact with the mobile device 172 in lieu of the mobiledevice's 172 own user interface.

In one embodiment, a WIVD ecosphere may include a merchant system 177(e.g., a merchant's local computer, remote server, or cloud service) anda WIVD server 178. The WIVD device 171 and/or the mobile device 172 maycommunicate (e.g., via the Internet, NFC, WiFi, etc.) directly witheither or both of the merchant system 177 and WIVD server 178, and themerchant system 177 and the WIVD server 178 may be communicativelylinked as well. In another embodiment, only the mobile device 172 andnot the WIVD device 171 is in direct communication with the merchantsystem 177 and WIVD server 178. The WIVD device 171, however, mayindirect communicate with the merchant system 177 and WIVD server 178via the mobile device 172.

The merchant system 177 may take advantage of the features of the WIVDdevice 171 to provide an enhanced in-store shopping experience to theuser 170. For example, when the user enters the merchant store, his WIVDdevice 171 may transmit a user identification (e.g., a device MACaddress, a pre-registered customer ID, loyalty number, finger print, eyepattern, etc.) to the merchant's check-in detector 180, which in turnwill forward the user identification to the merchant system 177. If thereceived user identification is insufficient to authenticate the user170 (e.g., customer ID or name), the merchant system 177 may requestadditional biometrics to be transmitted. In response to the request, theWIVD device 171 may detect the requested biometric information (e.g.,eye pattern, finger print, facial image, etc.) and transmit it to themerchant system (the transmission may directly from the WIVD device 171or the mobile device 172). The merchant system 177 may itself verify thereceived biometric information (e.g., by checking it against themerchant's own database records), or forward the information to the WIVDserver 178 for verification.

In another example, the authentication process may involve the merchantsystem 177 sending an authentication request to the WIVD device 171,which in response detects the requested biometric information 173 of theuser 170. Instead of transmitting the detected biometric information 173to the merchant system 177, however, the WIVD device 171 may transmitthe detected biometric information 173 along with an authenticationrequest to the WIVD server 178 for verification. Upon receiving theauthentication request, the WIVD server 178 may analyze the request todetermine information identifying the user 170 (e.g., MAC address, apre-registered user ID known to the WIVD server, name, email address,etc.). The WIVD server 178 may then use the information to query adatabase 179 for a user profile associated with the user 170. The userprofile, for example, may have been created by the user 170 using anonline registration system associated with the WIVD server 178, an appassociated with the WIVD server 178 running on the user's 170 mobiledevice 172, a registration system on the WIVD device's 171 (e.g., a WIVDeyewear 171 may use voice prompts and voice detection technology toguide the user 170 through the registration process to create a userprofile, and transmit detected biometric information 173 to the WIVDserver 178 to be stored as part of the user profile), etc. Once thequery successfully returns a user profile associated with the user 170,the WIVD server 178 may compare the stored biometric information 173with the biometric information 173 received to determine whether thereis a sufficiently close match based on predetermined matching criteria.The result of the biometric matching (e.g., whether the user 170 isauthenticated or not) may then be transmitted to the merchant system177. In this manner, the user's 170 biometric information 173 is onlyknown to the WIVD server 178 and remains confidential to the merchantsystem 177. Once the user 170 is authenticated, the merchant system 177may inform its in-store agents 181 of the user 170 so that the agents181 may better assist the user 170.

While the user 170 is in the merchant store, the merchant system 177 maymonitor the user's 170 sentiment using biometric information 173provided by the WIVD device 171. As described above, the WIVD device 171may continuously send the merchant system detected biometric information173 at regular intervals, or the WIVD device 171 may selectively sendnotifications of unusual or noteworthy biometric 173 activity (e.g., asudden change in the detected biometric value 173 or unusual valuesexceeding a predetermined threshold). Based on the received biometricinformation 173, the merchant system 177 may predict the user's 170sentiment. For example, a sudden increase in heart rate, brain activity,eye movement, etc. may indicate the user's 170 interest in a particularproduct. When such an event occurs, the merchant system 177 may requestthe WIVD device 171 for certain environmental information 174 associatedwith the user 170. For example, the merchant system 177 may beinterested in knowing the user's 170 location in the store, which can bemeasured using GPS or WiFi positioning technology, to determine at leasta general category of products of interest to the user 170 (e.g., theuser 170 may be standing in the electronics section, the baby selection,the produce section, etc. of the store). As another example, themerchant system 177 may request the WIVD device 171 to capture andtransmit an image (e.g., using a front-facing camera) representing theuser's 170 view, which may be focused on a particular product or asection of products. As yet another example, the WIVD device 171, if inthe form of an eyewear as described above, may use informationassociated with the user's 170 eyes to determine the direction of theeyes' gaze. Any or a combination of such environmental information 174may be used to identify a product/service, a category ofproducts/services, or a general subject matter that the user 170 may beobserving or noticing when the unusual biometric information 173 wasdetected.

Using the biometric information 173 and substantially contemporaneousenvironmental information 174, the merchant system 177 may determine anaction to take. For example, the merchant system 177 may use machinelearning or heuristics to determine whether the detected biometricinformation 173 (e.g., increased heart rate) is an indication of theuser 170 being interested in the product or product category detected inthe environmental information 174. Alternatively, the merchant systemmay request the WIVD server 178 to make such a determination. Forexample, the WIVD sever 178 overtime may have monitored and storedrelevant biometric information 173, environmental information 174, andpurchase information of the user 170, as well as similar information ofother users, in its database 179. Using machine learning or heuristicsalong with the stored historical data, the WIVD server 178 may betterassess whether the current biometric information 173 and environmentalinformation 174 is an indication of the user 170 being interested in aparticular product (as well as the likelihood that the user 170 willmake a purchase and whether pricing incentives may be a factor in hispurchase decision). For example, based on historical data associatedwith the user 170, the WIVD server 178 may match the user's 170 purchasehistory information (e.g., gathered when the payments are made by creditcard) with the historical biometric information 173 and/or historicalenvironmental information 174 to determine whether the user is likely toultimately purchase an observed product (e.g., as indicated by thesubstantially contemporaneous historical environmental information 174)when the user's 170 biometric information 173 is behaving in aparticular pattern (e.g., rising heart rate or brain activity). Once theWIVD server 178 makes a determination, it may transmit its findings tothe merchant system 177.

The merchant system 177, using the information obtained from the WIVDserver 178, may then determine what action to take. For example, if theWIVD server 178 indicates that the detected biometric information 173 isnot known to be associated with a user sentiment towards a product, themerchant system 177 may not do anything. If, on the other hand, the WIVDserver 178 indicates that the detected biometric information 173 isoften correlated with the user's 170 interest in the product or productcategory detected in the environmental information 174, then themerchant system 177 may generate promotional material (e.g., additionalinformation about the product, recommendations of particular products inthe product category, coupons, etc.) and transmit it to the user's 170mobile device 172 or WIVD device 171.

In addition to performing actions based on positive user sentiment, themerchant system 177 may act based on negative user sentiment. Forexample, the merchant system 177 may detect from the received biometricinformation 173 that the user's 170 heart rate or brain activity isincreasing, while also detecting from the environmental information 174that the temperature or humidity level around the user 170 may be at anuncomfortable level or that the user 170 is looking at a long line atthe cash register. Based on the detected information, the merchantsystem may determine that the user 170 may be getting annoyed andtherefore may act accordingly. For example, if the merchant system 177determines that the user 170 may be uncomfortably hot, the merchantsystem 177 may increase the air conditioning output and/or transmit acoupon for a drink or ice cream to the user 170. As another example, ifthe merchant system 177 determines that the user may be annoyed at thelong lines, the merchant system 177 may inform a merchant agent 181 tohelp at the cash register.

FIG. 1C-1 provides an exemplary diagram illustrating aspects of WIVDcheck-in at a physical store within embodiments of the WIVD. Withinembodiments, a consumer may wear various WIVD devices, such as a wristwatch 130 a, a pair of glasses 130 b, a headband 130 c, aneckband/collar 130 d, a key chain fob 130 e, and/or the like, andarrive at a physical merchant store 112. In one implementation, the WIVDdevice 130 a-e may be used to engage in store-front check-in at thestore entry 111 via various ways. For example, in one implementation,the WIVD devices may be equipped with a NFC chip, which mayautomatically communicate (e.g., 131 a) with a NFC check-in plateinstalled at the store entry 111 when the consumer walks into themerchant store 112, e.g., 131 b. In another implementation, the WIVDdevice may prompt a push message on the LCD screen (e.g., 130 a, 130 c,etc.), via augmented reality of the glasses 130 b, etc., for a consumerto confirm check-in at the physical store. In another implementation,the WIVD device may obtain the consumer's GPS location information togenerate a check-in message. In another implementation, the consumer mayoperate a camera equipped WIVD device to scan a QR code displayed at acheck-in point at the store entry 111 to generate a check-in message,e.g., see 205 b at FIGS. 2C-2D. An exemplary data structure of acheck-in message via WIVD may take a similar form as discussed at 204 inFIG. 2A.

FIGS. 1C-2 and 1C-3 provide various examples of aspects of WIVD devicesusage within embodiments of the WIVD. As shown at FIG. 1C-2 in oneimplementation, a user mobile wallet may obtain the GPS locationinformation of the consumer to determine what kind of offers, rewards,coupons, tickets, and/or the like, the mobile wallet may push to a WIVDdevice. For example, in one implementation, when the mobile wallet 102determines that a consumer has arrived at a merchant store (e.g.,Starbucks coffee, etc.), the mobile wallet may search for relevantoffers stored with regard to the merchant 131 c (e.g., see 3352 in FIG.33E) and generate a QR code representing the offer and push/synchronizethe QR code to a WIVD device (e.g., the wrist watch 130 a) for display.In this way, the consumer may present the QR code on the wrist watch forscanning at a point of sale to redeem the retrieved offer.

In another implementation, when the user mobile wallet 102 determinesthe consumer has arrived at an event venue that requires admission(e.g., a concert hall, a stadium, a museum, a theme park, etc.), theuser mobile wallet 102 may retrieve tickets information from the walletand generate a QR code representing ticketing information, and push theQR code to the WIVD device to assist admission.

As shown in FIG. 1C-3, for example, in one implementation, thebiological characteristics captured by the EEG sensor arrays andretina/iris scanners (e.g., pulse rates, blood pressure, skintemperature, and/or the like captured by the EEG sensors 107 a, bloodpressure, skin temperature, brain wave, retina pattern, iris pattern,and/or the like captured by the sensors, readers, etc. 108 a installedwithin the WIVD devices) may be submitted to a WIVD server periodically,intermittently, or on demand. The WIVD server may process the biologicaldata, and correlate the user's biological reactions to the user'sbrowsing/shopping activities to obtain user preferences. For example, inone implementation, the WIVD may determine that the user is interestedin outdoor sports products 132 d, if the collected biological data showsthe user experiences palpitated pulse rate 132 a (e.g., captured by aWIVD wrist watch 130 a), and eye dilation/focus on sports products 132 b(e.g., captured by WIVD glasses 130 b), enhanced brain activities 132 c(e.g., captured by a WIVD headband 130 c), when the user is located atthe “outdoors” section of a department store.

In another implementation, biological characteristics captured by WIVDdevices may be used for consumer identity verification for fraudprevention. For example, a consumer may be prompted to submit biologicaldata while engaging a mobile wallet payment, such as but not limited toretina/iris scanning by WIVD glasses, finger print reading by WIVD wristwatch (e.g., equipped with a fingerprint reader, etc.). As anotherexample, a pair of WIVD glasses may automatically submits retina/irisscanning information to a WIVD payment server when a wallet paymentauthorization request is received, so that the payment server maydetermine wallet account holder identity based on correlation, e.g.,whether the transaction originates from the same location of the WIVDdevices, whether the submitted biological information matches the recordof the wallet holder, etc.

In further implementations, a consumer wearing a pair of WIVD glassesdevice may obtain a view similar to the example augmented reality scenesillustrated in FIGS. 9A-19 via the smart glasses, e.g., bill informationand merchant information related to a barcode in the scene (716 d inFIG. 7B), account information related to a payment card in the scene(913 in FIG. 9A), product item information related to captured objectsin the scene (517 in FIG. 5C), and/or the like. It is worth noting thatwhile the augmented reality scenes with user interactive virtualinformation labels overlaying a captured reality scene are generated ata camera-enabled smart mobile device in FIGS. 9A-19, such augmentedreality scenes may be obtained via various different devices, e.g., apair of smart glasses equipped with WIVD client components (e.g., see3001 in FIG. 30, etc.), a wrist watch, and/or the like. Withinembodiments, the WIVD may provide a merchant shopping assistanceplatform to facilitate consumers to engage their virtual mobile walletto obtain shopping assistance at a merchant store, e.g., via a merchantmobile device user interface (UI). For example, a consumer may operate amobile device (e.g., an Apple® iPhone, iPad, Google® Android, Microsoft®Surface, and/or the like) to “check-in” at a merchant store, e.g., bysnapping a quick response (QR) code at a point of sale (PoS) terminal ofthe merchant store, by submitting GPS location information via themobile device, etc. Upon being notified that a consumer is presentin-store, the merchant may provide a mobile user interface (UI) to theconsumer to assist the consumer's shopping experience, e.g., shoppingitem catalogue browsing, consumer offer recommendations, checkoutassistance, and/or the like.

In one implementation, merchants may utilize the WIVD mechanisms tocreate new WIVD shopping experiences for their customers. For example,WIVD may integrate with alert mechanisms (e.g., V.me wallet pushsystems, vNotify, etc.) for fraud preventions, and/or the like. Asanother example, WIVD may provide/integrate with merchant-specificloyalty programs (e.g., levels, points, notes, etc.), facilitatemerchants to provide personal shopping assistance to VIP customers. Infurther implementations, via the WIVD merchant UI platform, merchantsmay integrate and/or synchronize a consumer's wish list, shopping cart,referrals, loyalty, merchandise delivery options, and other shoppingpreference settings between online and in-store purchase.

Within implementations, WIVD may employ virtual wallet alert mechanisms(e.g., vNotify) to allow merchants to communicate with their customerswithout sharing customer's personal information (e.g., e-mail, mobilephone number, residential addresses, etc.). In one implementation, theconsumer may engage virtual wallet applications (e.g., Visa® V.mewallet) to complete purchases at the merchant PoS without revealing theconsumer's payment information (e.g., a PAN number) to the merchant.

Integration of an electronic wallet, a desktop application, a plug-in toexisting applications, a standalone mobile application, a web basedapplication, a smart prepaid card, and/or the like in capturing paymenttransaction related objects such as purchase labels, payment cards,barcodes, receipts, and/or the like reduces the number of networktransactions and messages that fulfill a transaction payment initiationand procurement of payment information (e.g., a user and/or a merchantdoes not need to generate paper bills or obtain and send digital imagesof paper bills, hand in a physical payment card to a cashier, etc., toinitiate a payment transaction, fund transfer, and/or the like). In thisway, with the reduction of network communications, the number oftransactions that may be processed per day is increased, i.e.,processing efficiency is improved, and bandwidth and network latency isreduced.

It should be noted that although a mobile wallet platform is depicted(e.g., see FIGS. 31-3M), a digital/electronic wallet, a smart/prepaidcard linked to a user's various payment accounts, and/or other paymentplatforms are contemplated embodiments as well; as such, subset andsuperset features and data sets of each or a combination of theaforementioned shopping platforms (e.g., see FIGS. 2A-AD and 4A-4M) maybe accessed, modified, provided, stored, etc. via cloud/server servicesand a number of varying client devices throughout the instantspecification. Similarly, although mobile wallet user interface elementsare depicted, alternative and/or complementary user interfaces are alsocontemplated including: desktop applications, plug-ins to existingapplications, stand alone mobile applications, web based applications(e.g., applications with web objects/frames, HTML 5applications/wrappers, web pages, etc.), and other interfaces arecontemplated. It should be further noted that the WIVD paymentprocessing component may be integrated with an digital/electronic wallet(e.g., a Visa V-Wallet, etc.), comprise a separate stand alone componentinstantiated on a user device, comprise a server/cloud accessedcomponent, be loaded on a smart/prepaid card that can be substantiatedat a PoS terminal, an ATM, a kiosk, etc., which may be accessed througha physical card proxy, and/or the like.

FIG. 1D-1 provides an exemplary combined logic and work flow diagramillustrating aspects of WIVD device based integrated person-to-personfund transfer within embodiments of the WIVD. Within embodiments, aconsumer Jen 120 a may desire to transfer funds to a transferee John 120b. In one implementation, Jen 120 a may initiate a fund transfer requestby verbally articulating the command “Pay $50.00 to John Smith” 125 a,wherein the WIVD device 130 may capture the verbal command line 125 a,and imitates a social payment facial scan component 135 a. In oneimplementation, Jen's verbal command may be captured by the WIVD device(e.g., the glasses, etc.), which may perform voice recognition toauthenticate Jen to access her wallet. For example, in oneimplementation, the WIVD device may employ voice recognition softwarepackages such as but not limited to CMU Sphinx, Julius, DragonDictation, ViaVoice, Voice Navigator, Google Voice Search, Bing VoiceSearch, Siri Personal Assistant, and/or the like. In an alternativeimplementation, the WIVD device may synchronize an audio clip of thecaptured verbal command with a mobile wallet (e.g., a Smartphone, etc.),which may utilize the audio clip for wallet access authentication.

In one implementation, the WIVD device 130 may determine whether aperson within the proximity (e.g., the vision range of Jen, etc.) isJohn Smith by facial recognition. For example, WIVD device 130 maycapture a snap of the face of consumer Jack 120 c, and determine that heis not John Smith, and place a virtual label atop the person's face sothat Jen 120 a may see the facial recognition result 126.

In one implementation, the WIVD may determine proximity 135 b of thetarget payee John 141. For example, WIVD may form a query to a remoteserver, a cloud, etc., to inquire about John's current location via WIVDGPS tracking. As another example, WIVD may track John's current locationvia John's wallet activities (e.g., scanning an item, check-in at amerchant store, as discussed in FIGS. 2A-2C, etc.). If John 120 b isremote to Jen's location, Jen may communicate with John via variousmessaging systems, e.g., SMS, phone, email, wallet messages, etc. Forexample, John 120 b may receive a V.me wallet message indicating thefund transfer request 128.

In another implementation, if John 120 b is within proximity to Jen 120a, Jen may send a communication message 135 c “Jen sends $50.00 to John”to John 120 b via various means, e.g., SMS, wallet messages, Bluetooth,Wi-Fi, and/or the like. In one implementation, Jen may communicate withJohn in proximity via an optical message, e.g., Jen's WIVD device may beequipped with a blinking light 136 a, the glasses may produce on/offeffects, etc., to generate a binary optical sequence, which may encodethe fund transfer message (e.g., Morse code, etc.). For example, suchblinking light may be generated by the WIVD glass turning black or white136 b, etc. In one implementation, John's WIVD device, which is inproximity to Jen's, may capture the optical message, and decode it toextract the fund transfer request. In one implementation, John's WIVDdevice may generate an optical message in a similar manner, toacknowledge receipt of Jen's message, e.g., “John accepts $50.00transfer from Jen.” In further implementations, such optical message maybe adopted to encode and/or encrypt various information, e.g., contactinformation, biometrics information, transaction information, and/or thelike.

In another implementation, the WIVD device may utilize the opticalmessage to help the transferor, e.g., Jen 120 a, to identify thetransferee John 120 b. For example, in one implementation, Jen's walletand/or the WIVD device may send a message to John's wallet and/or theWIVD; such communication may comprise a binary authorization code, whichmay be used to force John's WIVD device to generate an optical messageusing the authorization code, e.g., to “blink.” In one implementation,when John is in proximity to Jen, Jen's WIVD device may capture the“blinking” of John's WIVD device, so as to identify the transferee.

FIG. 1D-2 provides an exemplary combined logic and work flow diagramillustrating alternative implementations of WIVD device based integratedperson-to-person fund transfer within embodiments of the WIVD. In oneimplementation, the WIVD device 130 may capture verbal commands, bothfrom the WIVD device wearer and/or another person, for social paymentcapturing 156 a. For example, as shown at 157 a, Jen's WIVD device 130may “hear” a verbal command from another WIVD device wearer John 120 b,who requests a payment from Jen 120 a. In one implementation, the WIVDdevice 130 may process the verbal payment request 156 b. In oneimplementation, the WIVD device 130 may perform voice recognition toidentify the user John 120 b, if John's voice pattern has beenpreviously stored with Jen's WIVD device. In another implementation, theWIVD device 130 may upload a recorded audio clip to a WIVD server and/orcloud for voice matching to identify John 120 b.

In one implementation, Jen's WIVD device 130 may not immediately processor authorize the social payment request, but temporarily store theverbal command as related to a social payment request 157 b, and waitfor further confirmation. Alternatively, the WIVD device may push apayment request to a mobile wallet for the wallet holder Jen 120 a tomanually confirm, e.g., at 158.

In one implementation, the WIVD device may generate a second degreepayment request for a two-factor authentication of the social pay 156 c.For example, in one implementation, John's WIVD device may communicatewith Jen's WIVD device via an optical message 157 c, e.g., “blinking,”to send a social payment request to Jen. In another implementation, John120 b may send a social payment request message via the wallet platformto Jen, e.g., 158. In one implementation, the WIVD device may query backthe previously stored verbal commands to establish two-factorverification of a social payment request 156 d. For example, the WIVDmay extract information from a wallet social pay message 158, e.g., thetransferee name “John Smith,” and queried the recently captured verbalcommend 157 a to capture whether there is a verbal command from “JohnSmith.” If the WIVD determines there is a match, the WIVD may establisha two-factor authentication of the potential social payment from Jen toJohn 163 a, and proceed to social payment fund transfer 156 e.

In one implementation, WIVD may verify the transaction throughintegrated layers of information to prevent fraud, includingverification such as facial recognition (e.g., whether the recipient isJohn Smith himself, etc.), geographical proximity (e.g., whether JohnSmith's is currently located at Jen's location, etc.), local proximity(e.g., whether John Smith successfully receives and returns an opticalmessage “blinked” from Jen, etc.), and/or the like.

In one implementation, if the transaction verification 135 d ispositive, WIVD may transfer $50.00 from Jen's account to John. Furtherimplementations of transaction processing with regard to P2P transfermay be found in U.S. nonprovisional patent application Ser. No.13/520,481, filed Jul. 3, 2012, entitled “Universal Electronic PaymentApparatuses, Methods and Systems,” , which is herein expresslyincorporated by reference.

FIG. 1E provides an exemplary diagram illustrating WIVD in-storescanning for store inventory map within embodiments of the WIVD. In oneimplementation, WIVD may obtain a store map including inventoryinformation. Such store map may include information as to the in-storelocation (e.g., the aisle number, stack number, shelf number, SKU, etc.)of product items, and may be searchable based on a product itemidentifier so that a consumer may search for the location of a desiredproduct item. In one implementation, such store map may be provided by amerchant, e.g., via a store injection in-wallet UI (e.g., see FIG. 5B),a downloadable data file, and/or the like. Further implementations ofstore injection map are discussed in FIGS. 5B-5F.

In alternative implementations, WIVD may facilitate scanning an in-storescene and generate an inventory map based on visual capturing ofinventory information of a merchant store and generate an inventory mapbased on image content detection. For example, as shown in FIGS. 5D and5D(1), a merchant store may install cameras on top of the shelf alongthe aisles, wherein vision scopes of each camera may be interleaved toscan and obtain the entire view of the opposite shelf. WIVD may performpattern recognition analytics to identify items placed on the shelf andbuild an inventory map of the merchant store. For example, WIVD mayobtain an image of an object on the shelf which may have a barcodeprinted thereon, and determine the object is a can of “Organic DicedTomato 16 OZ” that is placed on “aisle 6, stack 15, shelf 2.” In oneimplementation, WIVD may determine objects placed adjacent to theidentified “Organic Diced Tomato 16 OZ” are the same product items ifsuch objects have the same shape.

In one implementation, such cameras may be configured to scan theshelves periodically (e.g., every hour, etc.), and may form a camerasocial network to generate real-time updates of inventory information.For example, product items may be frequently taken off from a shelf byconsumers, and such change in inventory may be captured by camerascanning, and reflected in the inventory updates. As another example,product items may be picked up by consumers and randomly placed at awrong shelf, e.g., a can of “Organic Diced Tomato 16 OZ” being placed atthe beauty product shelf, etc., and such inventory change may becaptured and transmitted to the merchant store for correction. Infurther implementations, the camera scanning may facilitate securitymonitoring for the merchant store.

In further implementations, as shown in FIG. 1E, the in-store scanningand identifying product items for store inventory map building may becarried out by consumers who wear WIVD devices 130. For example, aconsumer may walk around a merchant store, whose WIVD devices 130 maycapture visual scenes of the store. As shown in FIG. 1E, consumer Jen's120 a WIVD device 130 may capture a can of “Organic Diced Tomato 16 OZ”131 on shelf, which may identify the product item and generate a productitem inventory status message including the location of such product tothe WIVD server for store inventory map updating. For example, anexample listing of a product item inventory status message,substantially in the form of eXtensible Markup Language (“XML”), isprovided below:

<?XML version = “1.0” encoding = “UTF-8”?> <Inventory_update><timestamp> 11:23:23 01-01-2014 </timestamp> <source> V_GLASSES 001</source> <user>   <user_id> Jen111 </user_id>   <user_name> Jen Smith</user_name>      ... </user> <GPS> 1231243 234235 </GPS> <merchant>     <MID> ABC00123 </MID>      ...      <merchant_name> la jollashopping center </merchant_name>      <address> 550 Palm spring ave</address>      <city> la jolla </city>      <zipcode> 00000 </zipcode>... </merchant> <product>   <MCC> 34234 </MCC>   <name> Organic DicedTomato 16OZ </name>   ...   <location>            <floor> 1st floor</floor>            <Aisle> 6 </aisle>            <stack> 15 </stack>           <shelf> 2 </shelf>            <shelf_height> 5′10″</shelf_height>   </location>      ... </inventory_update>

In a further implementation, WIVD may facilitate obtain an estimate ofthe shelf height, width, e.g., based on the angle of the vision, etc. Ina similar manner, consumer John's 120 b WIVD may capture a “High SpeedInternet Router” 132 b in the electronics aisle 121 b, and transmit suchinformation for store inventory map updating. Multiple consumers' WIVDcapturing may generate various contributions for real-time storeinventory updating.

FIG. 1F provides an exemplary diagram illustrating In oneimplementation, WIVD may be equipped with a mini-projector (e.g., alaser projector, etc.) that may project graphic contents on a surface sothat a consumer may see an enlarged view of the graphic contents. Forexample, in one implementation, the WIVD may project a keyboard on atable so that the consumer may type with the projected keyboard, e.g.,to enter a PIN, to enter username, to type a search term, and/or thelike. As another example, WIVD may project option buttons on a surfaceand the consumer may tap the projected buttons to make a selection.

In further implementations, WIVD may project a QR code on a surface tofacilitate a transaction. For example, as shown in FIG. 1F, in oneimplementation, consumer Jen 120 a may provide a social payment mixedgesture command, e.g., a vocal command “pay $50.00 to John,” 125 a,etc., and the WIVD device 130 may generate a QR code 126 for theperson-to-person payment. In one implementation, Jen's WIVD may project125 b the generated QR code on a surface (e.g., see 126), so that John'sWIVD device may capture the QR code for fund transfer, e.g., by “seeing”the QR code 127. Alternatively, if John is not wearing a pair of WIVDdevice, John may operate a smart phone to snap a photo of the projectedQR code for fund transfer request, and Jen may receive a notification offund transfer at a mobile device upon completion of the transaction 128Further implementations of the QR code based P2P transfer may be foundin U.S. nonprovisional patent application Ser. No. 13/520,481, filedJul. 3, 2012, entitled “Universal Electronic Payment Apparatuses,Methods and Systems,” , which is herein expressly incorporated byreference. In further implementations, WIVD may perform facialrecognition to identify a social pay target.

In further implementations, the WIVD projection may be used forsignature capture for security challenge (e.g., a consumer may sign withfinger on a projected “signature area,” etc.)

FIG. 1G provides an exemplary diagram illustrating aspects of aninfinite facial and geographic placement of information user interfacewithin embodiments of the WIVD. In one implementation, WIVD may generateaugmented reality labels atop a reality scene so that a consumer wearinga pair of WIVD device may obtain a combined augmented reality view withvirtual information labels. Such vision of augmented reality views mayprovide the consumer an expanded view of an “information wall.” Forexample, in one implementation, a consumer 120 a may desire to view allthe utility bills over the past 12 months; the WIVD may retrieve thebills information, and virtually “stitch” 12 bills on a big wall 133when the consumer “looks” at the big wall via a WIVD device 130. Asshown in FIG. 1G, without wearing the WIVD device 130, consumer Jen 120a only sees an empty wall 133 a; while with the WIVD device 130 on, Jen120 a obtain an augmented reality view of 12 bills displayed on the wall133 b. In this way, WIVD may obtain an “infinite” space to provideinformation labels to the consumer based on the consumer's scope ofvision.

In further implementations, the virtual “information wall” may begenerated based on consumer interests, geo-location, and variousatmospherics factors. For example, a WIVD analytics component maydetermine a consumer may be interested in food, shoes, and electronicsbased on the consumer's purchasing history, browsing history, QR codescanning history, social media activities, and/or the like. WIVD maygenerate an “information wall” including news feeds, social media feeds,ads, etc. related to the consumer's interested item categories, e.g.,food, shoes and electronics, etc. WIVD may further determine that whenthe consumer is at an office location, the consumer tends to browse“electronics” more often; as such, when WIVD detects the consumer is atthe office location, e.g., via GPS tracking, IP address, cell towertriangular positioning, etc., WIVD may place “electronic” information tothe consumer's “information wall.”

As another example, when a consumer is detected to be at an officelocation, WIVD may fill an “information wall” with business relatedinformation labels, e.g., meeting reminders, stock banners, top businesscontacts, missing calls, new emails, and/or the like. In a furtherimplementation, a consumer may set up and/or customize the “informationwall” with interested items. For example, a consumer may choose to“display” a favorite oil painting, family picture, wedding photo on the“information wall,” so that the consumer may be able to see thepersonalized decoration item displayed via the WIVD in an officesetting, without having to physically hang or stitch the realpicture/photo on a physical wall.

In one implementation, WIVD may provide “layers” of “information walls.”For example, a consumer may “look” at an empty real wall via a WIVDdevice and choose an “information wall” that the consumer would like tosee, e.g., by articulating the name of the “wall” (e.g., “12 monthselectricity bills,” “my office wall,” etc.), by a mixed gesture command(e.g., waving leftward or rightward to proceed with another previouslysaved “information wall,” etc.), and/or the like. In anotherimplementation, WIVD may save and identify an “information wall” bygenerating a QR code 136, and display it at the corner of the“information wall.” A consumer may take a snap shot of the QR code viaWIVD device to identify the “information wall,” and/or to transmitinformation of the “information wall.” For example, a consumer may snapthe QR code and project such QR code on a surface, and use a Smartphoneto capture the QR code; in this way, the virtual “information wall” thatis visible via a WIVD device may be reproduced within the Smartphonebased on the captured QR code.

In one implementation, the WIVD device 130 may store, or retrieveinformation of an “information wall” from the QR code 136. For example,an example listing of an information wall record, substantially in theform of XML, is provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <information_wall> <wall_id>office wall </wall_id> <wall_trigger>   <trigger_1> location == office</trigger-1>   <trigger-2> login “office.net” </trigger_2>   ...<wall_trigger> ... <user>   <user_id> Jen111 </user_id>   <user_name>Jen Smith </user_name>      ... </user> ... <frame>      <x-range> 1024</x-range>      <y-range> 768 </y-range>   ... </frame> <object_1>     <type> calendar </type>      <position>         <x_start> 102<x_start>         <x_end> 743</x_end>         <y_start> 29 </y_start>        <y_end> 145 </y_end>      </position>      ...     <description> calendar invite of today </description> <source>wallet calendar </source> <orientation> horizontal </orientation>     <format>      <template_id> Calendar001 </template_id>      ...     <font> ariel </font>      <font_size> 12 pt </font_size>     <font_color> Orange </font_color>      <overlay_type> on top</overlay_type>      <transparency> 50% </transparency>     <background_color> 255 255 0 </background_color>      <label_size>        <shape> oval </shape>         <long_axis> 60 </long_axis>        <short_axis> 40 </short_axis>         <object_offset> 30</object_offset>         ...      </label_size>      ...      </format>  ... </object_1> <object_2> ... </object_2>   ... </information_wall>

FIG. 1H provides various alternative examples of an infinite augmentedreality display within embodiments of the WIVD. Within implementations,the “information wall” may be placed on various different objects. Forexample, the WIVD may intelligently recognize an object and determinevirtual overlays to place on top of the object, e.g., when WIVDrecognizes the consumer Jen 120 a is looking at a desk calendar 146 a,WIVD may automatically generate calendar events, invites, reminderswithin the scene. In another implementation, consumer Jen 120 a mayconfigure WIVD to associate such calendar events virtual overlays with aphysical desk calendar.

As another example, WIVD may place speech scripts 146 b on Jen's hand tohelp Jen prepare a speech, e.g., when Jen looks down at her hand, shemay see the speech script.

As another example, WIVD may project stock banners on a trader's desk146 c, so that a trader may be able to expand the view of market data.

In a further implementation, WIVD may generate a “virtual game” 146 d.For example, when a consumer is waiting in a line, WIVD may provide avirtual gaming option to entertain the consumer. When consumer Jen 120 alooks down at her feet, WIVD may generate virtual “walking bugs” in thescene, and if Jen 120 a moves her feet to “squash the bug,” she may wina gaming point. In one implementation, when Jen 120 a shift her focusfrom the ground (e.g., looking up, etc.), the “snatch the bug” game mayautomatically pause, and may resume when Jen stands still and looks downat the ground again.

With reference to FIG. 1I, consumer Jen 120 a may obtain an expandedview of virtual utility bills “stitched” on a wall 133 b, and make acommand by saying “Pay October Bill” 151 a. In another implementation,instead of the verbal command 151 a, the EEG sensors equipped with theWIVD device may capture Jen's brain wave and obtain the bill paymentcommand. In another implementation, the consumer Jen 120 a may point toa virtual “bill” on the wall, e.g., in a similar manner as shown at 138.

In one implementation, Jen 120 a may look at her mobile phone which mayhave instantiated a mobile wallet component, and obtain a view of a listof virtual cards overlaying the reality scene 137. In oneimplementation, Jen 120 a may point to a virtual card overlay 138 andarticulate “Pay with this card” 151 b. In one implementation, thevirtual card overlay may be highlighted 139 upon Jen's fingertippointing, and WIVD may capture the verbal command to proceed a billpayment. For example, WIVD may generate a payment transaction messagepaying Jen's October bill with Jen's PNC account.

With reference to FIG. 1J, a consumer 120 may utilize a “framing”gesture to select an item in the scene. For example, a consumer 120 may“frame” an antique desk lamp 147 and make a verbal command “I want tobuy” 154 a. In one implementation, the WIVD may provide informationlabels with regard to the item identifying information, availability atlocal stores, availability on online merchants 148, and/or the like(e.g., various merchants, retailers may inject advertisements relatedproducts for the consumer to view, etc.). As another example, theconsumer 120 may “frame” the desk lamp and command to “add it to myoffice wall” 154 b, e.g., the consumer may want to see an image of theantique desk lamp displayed at his office wall, etc. In oneimplementation, the WIVD may snap a picture of the desk lamp, andgenerate a virtual overlay label containing the image, and overlay thenew label 149 a on the “information wall” in addition to other existinglabels on the “information wall.” In another implementations, WIVD mayplace advertisements 149 b-c related to the new “Antique Desk Lamp” 149a and existing labels on the wall. For example, when the consumer has an“Antique Desk Lamp” 149 a and an existing image of “Antique CandleHolders” 149 d, WIVD may provide ads related to “Vintage Home Decor” 149c and light bulbs ads 149 b, and/or the like.

In further implementations, a WIVD device may be accompanied withaccessories such as various visors/filters for different layers ofoverlay labels. In one implementation, WIVD may provide layers ofinformation labels (e.g., similar to layers in augmented reality overlayas shown in FIG. 7A), and a layer may be switched to another via mixedgesture commands. In another implementation, a consumer may changeinformation overlays by changing a physical visor, e.g., an offer visorthat provide offers/ads overlays, a museum visor that provideshistorical background information of art paintings and directions, amerchant shopping assistant visor that provides item information andin-store directions, and/or the like.

Alternatively, as shown in FIG. 1K, the visor/filter may be virtual,e.g., the consumer may view various virtual “visors” (e.g., “wallet”visor 162 a, “Ads” visor 162 b, item information “visor” 162 c, buyoption “visor” 162 d, social reviews “visor” 162 e, etc.) surrounding anobject, e.g., a Smartphone, etc. The consumer may elect to choose a“visor” for information overlay by making a verbal command “wallet” 158a.

In further implementations, consumer Jen 120 a and John 120 b maysynchronize their view through the WIVD devices. For example, Jen 120 amay view a wall of virtually “stitched” utility bills, and may command158 b to synchronize the view with John 120 b. In one implementation,Jen's WIVD device may send a synchronization view message to John's, sothat John will obtain the same view of virtually “stitched” utilitybills when he looks at the wall 158 c.

In one embodiment, WIVD may generate social predictive purchase itemrecommendations based on a consumer's social atmospherics. For example,in one implementation, WIVD may track a consumer's social mediaconnections' social activities (e.g., Facebook status, posts, photos,comments, Tweets, Google+ status, Google+ messages, etc.) and generateheuristics of a possible gift recommendation. For example, if aconsumer's Facebook friend has posted a “baby shower” event invitation,or a Facebook status updating indicating she is expecting a baby, WIVDmay generate a purchase recommendation for a baby gift to the consumer.As another example, if a consumer's Facebook friend's birthday is comingup, WIVD may analyze the Facebook connection's social activities,purchasing history, etc. to determine the connection's interests (e.g.,Facebook comments with regard to a brand, a product item, etc.; “likes”;posted photos related to a product category; hash tags of Tweets;published purchase history on social media; followed pages; followedsocial media celebrities; etc.). For example, if the consumer'sconnection follows a celebrity makeup artist on YouTube, and “likes” thepage “Sephora,” WIVD may recommend beauty products to the consumer as agift for the consumer's connection when the connection's birthday iscoming up.

In one implementation, such social “gifting” recommendations may beprovided to the consumer via a Facebook ads, banner ads, cookie adswithin a browser, messages, email, SMS, instant messages, wallet pushmessages, and/or the like. In further implementations, WIVD may generatea recommendation via augmented reality information overlays. In theabove social “birthday gifting” example, in one implementation, aconsumer may view an augmented reality label “Gift idea forJen!”overlaying a cosmetics product via the consumer's WIVD.

In one implementation, the WIVD social predictive gift component mayobtain social history information via a virtual wallet component, e.g.,the social publications related to purchase transactions of the consumerand/or the consumer's social connections. Further implementations ofsocial publications may be found in U.S. nonprovisional patentapplication Ser. No. 13/520,481, filed Jul. 3, 2012, entitled “UniversalElectronic Payment Apparatuses, Methods and Systems,” which is hereinexpressly incorporated by reference. In another implementation, the WIVDmay obtain such social information and purchasing transactioninformation via an information aggregation platform, which aggregates,stores, and categories various consumer information across differentplatforms (e.g., transaction records at a transaction processingnetwork, social media data, browsing history, purchasing history storedat a merchant, and/or the like). Further implementations of theinformation aggregation platform are discussed in U.S. provisional Ser.No. 61/594,063, entitled “Centralized Personal Information PlatformApparatuses, Methods And Systems,” filed Feb. 2, 2012, which is hereinexpressly incorporated by reference.

In further implementations, WIVD may generate social predictive ads tothe consumer, e.g., based on the consumer's purchasing patterns,seasonal purchases, and/or the like. For example, WIVD may capture aconsumer's habitual grocery purchases, e.g., one gallon of organicnon-fat milk every two weeks, etc., and may generate a seasonal adsrelated to products, offers/rewards for organic milk every two weeks.Further implementations of the social predictive advertising componentare discussed in U.S. non-provisional application Ser. No. 13/543,825,entitled “Bidirectional Bandwidth Reducing Notifications And TargetedIncentive Platform Apparatuses, Methods And Systems,” filed Jul. 7,2012, which is herein expressly incorporated by reference.

In further implementations, WIVD may submit information to a server forprocessing power saving. For example, WIVD may pass on patternrecognition (e.g., store inventory map aggregation, facial recognition,etc.) requests to a server, a cloud, and/or the like. In oneimplementation, WIVD may determine a distributed server to route suchrequests based on server availability, server geo-location, serverspecialty (e.g., a processor component dedicated for facial recognition,etc.).

In further implementations, the WIVD device 130 may be adopted forsecurity detection (e.g., retina scanning, etc.). A consumer mayinteract with WIVD device via voice, gesture, brain waves, and/or thelike.

In further implementations, the WIVD may establish an image databasesfor pattern recognition. Such image database may include graphic contentfor image capture, maps, purchase, etc. For example, in oneimplementation, when a consumer sees an “iPad” via the WIVD device, suchimage may be processed and compared to images previously stored in theimage database to identify that the rectangular object is an “iPad.”

In further implementations, the consumer may operate a Smartphone as aremote control for the WIVD device.

FIG. 1L shows a block diagram illustrating example aspects of augmentedretail shopping in some embodiments of the WIVD. In some embodiments, auser 101 a may enter 111 into a store (e.g., a physical brick-and-mortarstore, virtual online store [via a computing device], etc.) to engage ina shopping experience, 110. The user may have a user device 102. Theuser device 102 may have executing thereon a virtual wallet mobile app,including features such as those as described below within thediscussion with reference to FIGS. 31-43B. Upon entering the store, theuser device 102 may communicate with a store management server 103. Forexample, the user device may communicate geographical locationcoordinates, user login information and/or like check-in information tocheck in automatically into the store, 120. In some embodiments, theWIVD may inject the user into a virtual wallet store upon check in. Forexample, the virtual wallet app executing on the user device may providefeatures as described below to augment the user's in-store shoppingexperience. In some embodiments, the store management server 103 mayinform a customer service representative 10 b (“CSR”) of the user'sarrival into the store. In one implementation, the CSR may include amerchant store employee operating a CSR device 104, which may comprise asmart mobile device (e.g., an Apple® iPhone, iPad, Google® Android,Microsoft® Surface, and/or the like). The CSR may interact with theconsumer in-person with the CSR device 104, or alternatively communicatewith the consumer via video chat on the CSR device 104. In furtherimplementations, the CSR may comprise an shopping assistant avatarinstantiated on the CSR device, with which the consumer may interactwith, or the consumer may access the CSR shopping avatar within theconsumer mobile wallet by checking in the wallet with the merchantstore.

For example, the CSR app may include features such as described below inthe discussion with reference to FIGS. 4A-4M. The CSR app may inform theCSR of the user's entry, including providing information about theuser's profile, such as the user's identity, user's prior and recentpurchases, the user's spending patterns at the current and/or othermerchants, and/or the like, 130. In some embodiments, the storemanagement server may have access to the user's prior purchasingbehavior, the user's real-time in-store behavior (e.g., which items'barcode did the user scan using the user device, how many times did theuser scan the barcodes, did the user engage in comparison shopping byscanning barcodes of similar types of items, and/or the like), theuser's spending patterns (e.g., resolved across time, merchants, stores,geographical locations, etc.), and/or like user profile information. Thestore management system may utilize this information to provideoffers/coupons, recommendations and/or the like to the CSR and/or theuser, via the CSR device and/or user device, respectively, 140. In someembodiments, the CSR may assist the user in the shopping experience,150. For example, the CSR may convey offers, coupons, recommendations,price comparisons, and/or the like, and may perform actions on behalf ofthe user, such as adding/removing items to the user's physical/virtualcart 151, applying/removing coupons to the user's purchases, searchingfor offers, recommendations, providing store maps, or store 3D immersionviews (see, e.g., FIG. 5C), and/or the like. In some embodiments, whenthe user is ready to checkout, the WIVD may provide a checkoutnotification to the user's device and/or CSR device. The user maycheckout using the user's virtual wallet app executing on the userdevice, or may utilize a communication mechanism (e.g., near fieldcommunication, card swipe, QR code scan, etc.) to provide paymentinformation to the CSR device. Using the payment information, the WIVDmay initiate the purchase transaction(s) for the user, and provide anelectronic receipt 162 the user device and/or CSR device, 160. Using theelectronic receipt, the user may exit the store 161 with proof ofpurchase payment.

Some embodiments of the WIVD may feature a more streamlined login optionfor the consumer. For example, using a mobile device such as iPhone, theconsumer may initially enter a device ID such as an Apple ID to get intothe device. In one implementation, the device ID may be the ID used togain access to the WIVD application. As such, the WIVD may use thedevice ID to identify the consumer and the consumer need not enteranother set of credentials. In another implementation, the WIVDapplication may identify the consumer using the device ID viafederation. Again, the consumer may not need to enter his credentials tolaunch the WIVD application. In some implementations, the consumer mayalso use their wallet credentials (e.g., V.me credentials) to access theWIVD application. In such situations, the wallet credentials may besynchronized with the device credentials.

Once in the WIVD application, the consumer may see some graphics thatprovide the consumer various options such as checking in and forcarrying items in the store. In one implementation, as shown in FIGS.4A-4B, a consumer may check in with a merchant. Once checked in, theconsumer may be provided with the merchant information (e.g., merchantname, address, etc.), as well as options within the shopping process(e.g., services, need help, ready to pay, store map, and/or the like).When the consumer is ready to checkout, the consumer may capture thepayment code (e.g., QR code). Once, the payment code is captured, theWIVD application may generate and display a safe locker (e.g., see 455in FIG. 4I). The consumer may move his fingers around the dial of thesafe locker to enter the payment PIN to execute the purchasetransaction. Because the consumer credentials are managed in such a waythat the device and/or the consumer are pre-authenticated or identified,the payment PIN is requested only when needed to conduct a paymenttransaction, making the consumer experience simpler and more secure. Theconsumer credentials, in some implementations, may be transmitted to themerchant and/or WIVD as a clear or hashed package. Upon verification ofthe entered payment PIN, the WIVD application may display a transactionapproval or denial message to the consumer. If the transaction isapproved, a corresponding transaction receipt may be generated (e.g.,see FIG. 4K). In one implementation, the receipt on the consumer devicemay include information such as items total, item description, merchantinformation, tax, discounts, promotions or coupons, total, price, and/orthe like. In a further implementation, the receipt may also includesocial media integration link via which the consumer may post or tweettheir purchase (e.g., the entire purchase or selected items). Examplesocial media integrated with the WIVD application may include FACEBOOK,TWITTER, Google+, Four Squares, and/or the like. Details of the socialmedia integration are discussed in detail in U.S. patent applicationSer. No. 13/327,740 filed on Dec. 15, 2011 and titled “Social MediaPayment Platform Apparatuses, Methods and Systems” which is hereinexpressly incorporated by reference. As a part of the receipt, a QR codegenerated from the list of items purchased may be included. Thepurchased items QR code may be used by the sales associates in the storeto verify that the items being carried out of the store have actuallybeen purchased.

Some embodiments of the WIVD application may include a dynamic key lockconfiguration. For example, the WIVD application may include a dynamickeyboard that displays numbers or other characters in differentconfiguration every time. Such a dynamic keypad would generate adifferent key entry pattern every time such that the consumer would needto enter their PIN every time. Such dynamic keypad may be used, forexample, for entry of device ID, wallet PIN, and/or the like, and mayprovide an extra layer of security. In some embodiments, the dial andscrambled keypad may be provided based on user preference and settings.In other embodiments, the more cumbersome and intricate authenticationmechanisms can be supplied based on increased seasoning and securityrequirements discussed in greater detail in U.S. patent application Ser.No. 13/434,818 filed Mar. 29, 2012 and titled “Graduated SecuritySeasoning Apparatuses, Methods and Systems,” and PCT internationalapplication serial no. PCT/US12/66898, filed Nov. 28, 2012, entitled“Transaction Security Graduated Seasoning And Risk Shifting Apparatuses,Methods And Systems,” which are all herein expressly incorporated byreference. These dynamic seasoned PIN authentication mechanisms may beused to authorize a purchase, and also to gain access to a purchasingapplication (e.g., wallet), to gain access to the device, and/or thelike. In one embodiment, the GPS location of the device and/or discernedmerchant may be used to determine a risk assessment of any purchasingmade at such location and/or merchant, and as such may ratchet up ordown the type of mechanism to be used for authentication/authorization.

In some embodiments, the WIVD may also facilitate an outsourced customerservice model wherein the customer service provider (e.g., salesassociate) is remote, and the consumer may request help from the remotecustomer service provider by opening a communication channel from theirmobile device application. The remote customer service provider may thenguide the requesting user through the store and/or purchase.

FIGS. 2A-2B provide exemplary data flow diagrams illustrating data flowsbetween WIVD and its affiliated entities for in-store augmented retailshopping within embodiments of the WIVD. Within embodiments, variousWIVD entities, including a consumer 202 operating a consumer mobiledevice 203, a merchant 220, a CSR 230 operating a CSR terminal 240, anWIVD server 210, an WIVD database 219, and/or the like may interact viaa communication network 213.

With reference to FIG. 2A, a user 202 may operate a mobile device 203,and check-in at a merchant store 220. In one implementation, variousconsumer check-in mechanisms may be employed. In one implementation, theconsumer mobile device 203 may automatically handshake with acontactless plate installed at the merchant store when the consumer 202walks into the merchant store 220 via Near Field Communication (NFC),2.4 GHz contactless, and/or the like, to submit consumer in-storecheck-in request 204 to the merchant 220, which may include consumer'swallet information. For example, an example listing of a consumercheck-in message 204 to the merchant store, substantially in the form ofeXtensible Markup Language (“XML”), is provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <checkin_data>  <timestamp>2014-02-22 15:22:43</timestamp>   <client_details>     <client_IP>192.168.23.126</client_IP>     <client_type>smartphone</client_type>      <client_model>HTCHero</client_model>      <OS>Android 2.2</OS>     <app_installed_flag>true</app_installed_flag>   </client_details>  <wallet_details>      <wallet_type> V.me </wallet_type>     <wallet_status> on </wallet_status>      <wallet_name> JS_wallet</wallet_name>      ...   </wallet_details> <!--optional parameters-->  <GPS>      <latitude> 74° 11.92 </latitude>      <longtitude> 42°32.72 </longtitude>   </GPS>   <merchant>      <MID> MACY00123 </MID>     <MCC> MEN0123 </MCC>      <merchant_name> la jolla shopping center     </merchant_name>      <address> 550 Palm spring ave </address>     <city> la jolla </city>      <zipcode> 00000 </zipcode>     <division> 1^(st) floor men's wear </division>      <location>           <GPS> 3423234 23423 </GPS>            <floor> 1^(st) floor</floor>            <Aisle> 6 </aisle>            <stack> 56 </stack>           <shelf> 56 </shelf>         </location>      ...  </merchant>   <QR_code>      <type> 2D </type>      <error_correction>L-7% </error_correction>      <margin> 4 block </margin>      <scale> 3X</scale>      <color> 000000 </color>      <content> &{circumflex over( )}NDELJDA%(##Q%DIHAF TDS23243{circumflex over ( )}&      </content>  ... </checkin_data>

In an alternative implementation, a merchant 220 may optionally providea store check-in information 206 so that the consumer may snap a pictureof the provided store check-in information. The store check-ininformation 206 may include barcodes (e.g., UPC, 2D, QR code, etc.), atrademark logo, a street address plaque, and/or the like, displayed atthe merchant store 220. The consumer mobile device may then generate acheck-in request 208 including the snapped picture of store check-ininformation 206 to the WIVD server 210. In further implementations, thestore check-in information 206 may include a store floor plantransmitted to the consumer via MMS, wallet push messages, email, and/orthe like.

For example, the store information 206 to the WIVD consumer,substantially in the form of XML-formatted data, is provided below:

Content-Length: 867 <?XML version = “1.0” encoding = “UTF-8”?><store_information>   <timestamp>2014-02-22 15:22:43</timestamp>   <GPS>     <latitude> 74° 11.92 </latitude>      <longtitude> 42° 32.72</longtitude>   </GPS>   <merchant>      <MID> MACY00123 </MID>     <MCC> MEN0123 </MCC>      <merchant_name> la jolla shopping center     </merchant_name>      <address> 550 Palm spring ave </address>     <city> la jolla </city>      <zipcode> 00000 </zipcode>     <division> 1^(st) floor men's wear </division>      ...  </merchant>   <store_map> “MACYS_1^(st)_floor_map.PDF” </store_map>  ... </store_information>

As another example, the consumer mobile device 203 may generate a(Secure) Hypertext Transfer Protocol (“HTTP(S)”) POST message includingthe consumer check-in information for the WIVD server 210 in the form ofdata formatted according to the XML. An example listing of a checkoutrequest 208 to the WIVD server, substantially in the form of a HTTP(S)POST message including XML-formatted data, is provided below:

POST /checkinrequest.php HTTP/1.1 Host: 192.168.23.126 Content-Type:Application/XML Content-Length: 867 <?XML version = “1.0” encoding =“UTF-8”?> <checkin_request>   <checkin_session_id> 4SDASDCHUF{circumflex over ( )}GD&   </checkin_session_id>   <timestamp>2014-02-2215:22:43</timestamp>   <client_details>     <client_IP>192.168.23.126</client_IP>     <client_type>smartphone</client_type>      <client_model>HTCHero</client_model>      <OS>Android 2.2</OS>     <app_installed_flag>true</app_installed_flag>   </client_details>  <wallet_details>      <wallet_type> V.me </wallet_type>     <wallet_account_number> 1234 12343      </wallet_account_number>     <wallet_id> JS001 </wallet_id>      <wallet_status> on</wallet_status>      <wallet_name> JS_wallet </wallet_name>      ...  </wallet_details>   <merchant>      <MID> MACY00123 </MID>      <MCC>MEN0123 </MCC>      <merchant_name> la jolla shopping center     </merchant_name>      <address> 550 Palm spring ave </address>     <city> la jolla </city>      <zipcode> 00000 </zipcode>     <division> 1^(st) floor men's wear </division>      <location>           <GPS> 3423234 23423 </GPS>            <floor> 1^(st) floor</floor>            <Aisle> 12 </aisle>            <stack> 4 </stack>           <shelf> 2 </shelf>         </location>      ...   </merchant>  <image_info>         <name> mycheckin </name>         <format> JPEG</format>         <compression> JPEG compression </compression>        <size> 123456 bytes </size>         <x-Resolution> 72.0</x-Resolution>         <y-Resolution> 72.0 </y-Resolution>        <date_time> 2014:8:11 16:45:32 </date_time>         ...        <content> ÿØÿà 

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 mntrRGB XYZ •Ü !! $ acspAPPL öÖÓ-appl   

 desc  P  bdscm  {acute over ( )}  {hacek over (S)}cprt  ^(└)@  $wtpt⁵³⁷ d  ¶rXYZ  ^(└)x   ¶gXYZ  ^(└) 

 ¶bXYZ  ^(└) ¶rTRC  ^(└){acute over ( )}  

 aarg  À vcgt ...         </content>      ...   </image_info> ...</checkout_request>

The above exemplary check-in request message includes a snapped image(e.g., QR code, trademark logo, storefront, etc.) for the WIVD server210 to process and extract merchant information 209. In anotherimplementation, the mobile device 203 may snap and extract merchantinformation from the snapped QR code, and include such merchantinformation into the consumer check-in information 208.

In another implementation, the check-in message 208 may further includethe consumer's GPS coordinates for the WIVD server 210 to associate amerchant store with the consumer's location. In further implementations,the check-in message 208 may include additional information, such as,but not limited to biometrics (e.g., voice, fingerprint, facial, etc.),e.g., a consumer provides biometric information to a merchant PoSterminal, etc., mobile device identity (e.g., IMEI, ESN, SIMid, etc.),mobile component security identifying information, trusted executionenvironment (e.g., Intel TXT, TrustZone, etc.), and/or the like.

In one implementation, upon WIVD server obtaining merchant information209 from the consumer check-in request message 208, WIVD server 210 mayquery for related consumer loyalty profile 218 from a database 219. Inone implementation, the consumer profile query 218 may be performed atthe WIVD server 210, and/or at the merchant 220 based on merchantpreviously stored consumer loyalty profile database. For example, theWIVD database 219 may be a relational database responsive to StructuredQuery Language (“SQL”) commands. The WIVD server may execute a hypertextpreprocessor (“PHP”) script including SQL commands to query a databasetable (such as FIG. 44, Offer 4419 m) for loyalty, offer data associatedwith the consumer and the merchant. An example offer data query 218,substantially in the form of PHP/SQL commands, is provided below:

<?PHP header(‘Content-Type: text/plain’);mysql_connect(“254.93.179.112”,$DBserver,$password); // access databaseserver mysql_select_db(“WIVD_DB.SQL”); // select database table tosearch //create query $query = “SELECT offer_ID, offer_title,offer_attributes_list,   offer_price, offer_expiry, related_products_(—)list,   discounts_list, rewards_list, FROM OffersTable WHERE  merchant_ID LIKE ‘%’ “MACYS” AND consumer_ID LIKE ‘%’   “JS001”;$result = mysql_query($query); // perform the search querymysql_close(“WIVD_DB.SQL”); // close database access ?>

In one implementation, the WIVD may obtain the query result includingthe consumer loyalty offers profile (e.g., loyalty points with themerchant, with related merchants, product items the consumer previouslypurchased, product items the consumer previously scanned, locations ofsuch items, etc.) 220, and may optionally provide the consumer profileinformation 223 to the merchant. For example, in one implementation, thequeried consumer loyalty profile 220 and/or the profile informationprovided to the merchant CSR 223, substantially in the form ofXML-formatted data, is provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <consumer_loyalty>   <user>     <user_id> JS001 </user_id>      <user_name> John Public</user_name>      ...   </user>   <merchant>      <MID> MACY00123 </MID>     <merchant_name> la jolla shopping center      </merchant_name>     <location> 550 Palm spring ave </location>      <city> la jolla</city>      <zipcode> 00000 </zipcode>      <division> 1^(st) floormen's wear </division>      ...   </merchant>   <loyalty>      <level>10 </level>      <points> 5,000 </points>      <in-store_cash> 4,00</in-store_cash>      ...   </loyalty>   <offer>      <offer_type>loyalty points </offer_type>      <sponsor> merchant </sponsor>     <trigger> 100 lolyalty points </trigger>      <reward> 10% OFF nextpurchase </reward>      ...   </offer>   <checkin>     <timestamp>2014-02-22 15:22:43</timestamp>      <checkin_status>checked in </checkin_status>      <location>         <GPS>        <latitude> 74° 11.92 </latitude>         <longtitude> 42° 32.72</longtitude>         </GPS>      <floor> 1^(st) </floor>     <department> men's wear </department>      ...   </checkin><!--optional parameters-->   <interested_items>      <item_1>        <item_id> Jean20132 </item_id>         <SKU> 0093424 </SKU>        <item_description> Michael Kors Flat Pants        </item_description>         <history> scanned on 2014-01-2215:22:43 </history>         <item_status> in stock </item_status>        <location> 1^(st) floor Lane 6 Shelf 56 </location>         ...     </item_1>      </item_2> ... </item_2>      ... </consumer_loyalty>

In the above example, WIVD may optionally provide information on theconsumer's previously viewed or purchased items to the merchant. Forexample, the consumer has previously scanned the QR code of a product“Michael Kors Flat Pants” and such information including the inventoryavailability, SKU location, etc. may be provided to the merchant CSR, sothat the merchant CSR may provide a recommendation to the consumer. Inone implementation, the consumer loyalty message 223 may not includesensitive information such as consumer's wallet account information,contact information, purchasing history, and/or the like, so that theconsumer's private financial information is not exposed to the merchant.

Alternatively, the merchant 220 may query its local database forconsumer loyalty profile associated with the merchant, and retrieveconsumer loyalty profile information similar to message 223. Forexample, in one implementation, at the merchant 220, upon receivingconsumer check-in information, the merchant may determine a CSR for theconsumer 212. For example, the merchant may query a local consumerloyalty profile database to determine the consumer's status, e.g.,whether the consumer is a returning customer, or a new customer, whetherthe consumer has been treated with a particular CSR, etc., to assign aCSR to the consumer. In one implementation, the CSR 230 may receive aconsumer assignment 224 notification at a CSR terminal 240 (e.g., a PoSterminal, a mobile device, etc.). In one implementation, the consumerassignment notification message 224 may include consumer loyalty profilewith the merchant, consumer's previous viewed or purchased iteminformation, and/or the like (e.g., similar to that in message 223), andmay be sent via email, SMS, instant messenger, PoS transmission, and/orthe like. For example, in one implementation, the consumer assignmentnotification 224, substantially in the form of XML-formatted data, isprovided below:

<?XML version = “1.0” encoding = “UTF-8”?> <consumer_assignment>  <consumer>      <user_id> JS001 </user_id>      <user_name> JohnPublic </user_name>      <level> 10 </level>      <points> 5,000</points>      ...   </consumer>   <CSR>      <CSR_id> JD34234 </CSR_id>     <CSR_name> John Doe </CSR_name>      <type> local </type>     <current_location> 1^(st) floor </current_location>      <location>           <floor> 1^(st) floor </floor>            <Aisle> 6 </aisle>           <stack> 56 </stack>            <shelf> 56 </shelf>     </location>      <in-person_availability> yes</in-person_availability>      <specialty> men's wear, accessories</specialty>      <language> English, German </language>      <status>available </status>      ...   </CSR>   <consumer_loyalty> ...</consumer_loyalty>   ... </consumer_assignment>

In the above example, the consumer assignment notification 224 includesbasic consumer information, and CSR profile information (e.g., CSRspecialty, availability, language support skills, etc.). Additionally,the consumer assignment notification 224 may include consumer loyaltyprofile that may take a form similar to that in 223.

In one implementation, the consumer may optionally submit in-storescanning information 225 a to the CSR (e.g., the consumer may interactwith the CSR so that the CSR may assist the scanning of an item, etc.),which may provide consumer interest indications to the CSR, and updatethe consumer's in-store location with the CSR. For example, in oneimplementation, the consumer scanning item message 225 a, substantiallyin the form of XML-formatted data, is provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <consumer_scanning>  <consumer>      <user_id> JS001 </user_id>      <user_name> JohnPublic </user_name>      <level> 10 </level>      <points> 5,000</points>      ...   </consumer>   <event> QR scanning </event>  <product>      <product_id> sda110 </Product_id>      <sku> 874432</sku>      <product_name> CK flat jeans </product_name>     <product_size> M </product_size>      <price> 145.00 </price>     ...   </product>   <location>            <floor> 1^(st) floor</floor>            <Aisle> 6 </aisle>            <stack> 56 </stack>           <shelf> 56 </shelf>   </location> ...<consumer_scanning>

Additionally, the consumer scanning information 225 a may be provided tothe WIVD server to update consumer interests and location information.

Upon receiving consumer loyalty information and updated locationinformation, the CSR terminal 240 may retrieve a list of complementaryitems for recommendations 225 b, e.g., items close to the consumer'sin-store location, items related to the consumer's previous vieweditems, etc. In one implementation, the CSR may submit a selection of theretrieved items to recommend to the consumer 226, wherein such selectionmay be based on the real-time communication between the consumer and theCSR, e.g., in-person communication, SMS, video chat, WIVD push messages(e.g., see 416 a-b in FIG. 4D), and/or the like.

In one implementation, upon receiving the consumer assignmentnotification, CSR may interact with the consumer 202 to assist shopping.For example, the CSR 230 may present recommended item/offer information227 (e.g., see 434 d-3 in FIG. 4F) via the CSR terminal 240 to theconsumer 202. For example, in one implementation, the consumeritem/offer recommendation message 227, substantially in the form ofXML-formatted data, is provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <consumer_item>   <consumer>     <user_id> JS001 </user_id>      <user_name> John Public</user_name>      <level> 10 </level>      <points> 5,000 </points>     ...   </consumer>   <CSR>      <CSR_id> JD34234 </CSR_id>     <CSR_name> John Doe </CSR_name>      ...   </CSR>  <recommendation>      <item_1>          <item_id> Jean20132 </item_id>         <SKU> 0093424 </SKU>          <item_description> Michael KorsFlat Pants          </item_description>          <item_status> in stock</item_status>          <offer> 10% OFF in store </offer>         <location>             <GPS> 3423234 23423 </GPS>            <floor> 1^(st) floor </floor>             <Aisle> 12</aisle>             <stack> 4 </stack>             <shelf> 2 </shelf>        </location>         ...      </item_1>      </item_2> ...</item_2>  </recommendation>      ... </consumer_recommendation>

In the above example, the location information included in the message227 may be used to provide a store map, and directions to find theproduct item in the store floor plan (e.g., see FIG. 5B), or viaaugmented reality highlighting while the consumer is performing in-storescanning (e.g., see FIG. 5C).

Continuing on with FIG. 2B, the consumer may provide an indication ofinterests 231 a (e.g., see 427 a-b in FIG. 4E; tapping an “add to cart”button, etc.) in the CSR provided items/offers, e.g., via in-personcommunication, SMS, video chat, etc., and the CSR may in turn providedetailed information and/or add the item to shopping cart 233 a (e.g.,see 439 in FIG. 4G) to the consumer per consumer request. In oneimplementation, the consumer may submit a payment interest indication231 b (e.g., by tapping on a “pay” button), and the CSR may present apurchasing page 233 b (e.g., an item information checkout page with a QRcode, see 442 in FIG. 4H) to the consumer 202, who may indicateinterests of a product item 231 with a CSR, e.g., by tapping on a mobileCSR terminal 240, by communicating with the CSR 230, etc. In oneimplementation, the consumer may snap the QR code of the interestedproduct item and generate a purchase authorization request 236. Forexample, the purchase authorization request 236 may take a form similarto 3811 in FIG. 38.

In one implementation, the consumer may continue to checkout with avirtual wallet instantiated on the mobile device 203, e.g., see 444 bFIG. 4I. For example, a transaction authorization request 237 a may besent to the WIVD server 210, which may in turn process the payment 238with a payment processing network and issuer networks (e.g., see FIGS.41A-42B). Alternatively, the consumer may send the transaction request237 b to the merchant, e.g., the consumer may proceed to checkout withthe merchant CSR. Upon completion of the payment transaction, theconsumer may receive a push message of purchase receipt 245 (e.g., see448 in FIG. 4L) via the mobile wallet.

In one implementation, the WIVD server 210 may optionally send atransaction confirmation message 241 to the merchant 220, wherein thetransaction confirmation message 241 may have a data structure similarto the purchase receipt 245. The merchant 220 may confirm the completionof the purchase 242. In another implementation, as shown in FIG. 2C, theWIVD server 210 may provide the purchase completion receipt to a thirdparty notification system 260, e.g., Apple® Push Notification Service,etc., which may in turn provide the transaction notification to themerchant, e.g., buy sending an instant message to the CSR terminal, etc.

FIGS. 2C-2D provide exemplary infrastructure diagrams of the WIVD systemand its affiliated entities within embodiments of the WIVD. Withinembodiments, the consumer 202, who operates an WIVD mobile application205 a, may snap a picture of a store QR code 205 b for consumer walletcheck-in, as discussed at 204/208 in FIG. 2A. In one implementation, themobile component 205 a may communicate with an WIVD server 210 (e.g.,being located with the Visa processing network) via wallet API calls 251a (e.g., PHP, JavaScript, etc.) to check-in with the WIVD server. In oneimplementation, the WIVD server 210 may retrieve consumer profile at anWIVD database 219 (e.g., see 218/220 in FIG. 2A).

In one implementation, merchant store clerks 230 a may be notified totheir iPad 240 with the customer's loyalty profile. For example, in oneimplementation, the WIVD server 210 may communicate with the merchantpayment system 220 a (e.g., PoS terminal) via a wallet API 251 b to loadconsumer profile. In one implementation, the WIVD server 210 may keepprivate consumer information anonymous from the merchant, e.g., consumerpayment account information, address, telephone number, email addresses,and/or the like. In one implementation, the merchant payment system 220a may retrieve product inventory information from the merchant inventorysystem 220 b, and provide such information to the PoS application of thesales clerk 230 a. For example, the sales clerk may assist customer inshopping and adding items to iPad shopping cart (e.g., see 439 in FIG.4G), and the consumer may check out with their mobile wallet. Purchasereceipts may be pushed electronically to the consumer, e.g., via a thirdparty notification system 260.

With reference to FIG. 2D, in an alternative implementation, WIVD mayemploy an Integrated collaboration environment (ICE) system 270 forplatform deployment which may emulate a wallet subsystem and merchantPoS warehousing systems. For example, the ICE system 270 may comprise aweb server 270 a, an application server 270 b, which interacts with theWIVD database 219 to retrieve consumer profile and loyalty data. In oneimplementation, the consumer check-in messages may be transmitted from amobile application 205 a, to the web server 270 a via representationalstate transfer protocols (REST) 252 a, and the web server 270 a maytransmit consumer loyalty profile via REST 252 b to the PoS application240. In further implementations, the ICE environment 270 may generatevirtual avatars based on a social media platform and deliver the avatarsto the merchant PoS app 240 via REST 252 b.

FIG. 2E provides an exemplary data flow diagram illustrating aspects ofbiometric data collection within embodiments of the WIVD. In oneimplementation, when a consumer 202 operates a mobile device (wallet)203 to generate a transaction request 237 a (e.g., see 237 a in FIG. 2B)to the WIVD server. In one implementation, the WIVD server 210 may senda request for user identity biometrics verification 252. For example, inone implementation, the user biometrics verification request message252, substantially in the form of XML-formatted data, may take a formsimilar to the following:

<?XML version = “1.0” encoding = “UTF-8”?> <bio_verification>   <time>19:34:23 </time>   <date> 2014-5-5 </date>   <consumer>      <wallet_id>JS001 </wallet_id>      <user_name> John Public </user_name>     <level> 10 </level>      <points> 5,000 </points>      ...  </consumer>   <transaction_id> rewedt22 </transaction_id>  <bio_data_type>      <type_1> iris </type>      <type_2> fingerprint</type_2>      ...   <bio_data_type>   ... </bio_verification>

In one implementation, the WIVD server may optionally determine whetherthe consumer 202 has any registered WIVD wearable devices, and thusinclude a type of biometrics data in to the biometrics informationrequest 252. For example, if the consumer 202 has registered WIVDglasses with his/her wallet account profile, the user biometricsverification 252 may include a requested bio-data type for iris pattern,e.g., as shown in the above example.

In one implementation, upon receiving the user identity verificationrequest 252, the mobile device 203 may send a bio informationsynchronization request (e.g., which may take a form similar to 252) tothe WIVD device 201. In an alternative implementation, the mobile wallet203 may automatically send a bio information synchronization request 251to the WIVD devices upon generating a transaction request 237 a.In oneimplementation, the WIVD devices may collect biometrics measurement 254from the consumer 202, e.g., measuring pulse rate, blood pressure,scanning iris/retina, and/or the like, and generate a biometric datamessage 256 to the WIVD server. For example, in one implementation, theuser biometrics data message 256, substantially in the form ofXML-formatted data, may take a form similar to the following:

<?XML version = “1.0” encoding = “UTF-8”?> <bio_data>   <time> 19:35:23</time>   <date> 2014-5-5 </date>   <consumer>      <wallet_id> JS001</wallet_id>      <user_name> John Public </user_name>      <level> 10</level>      <points> 5,000 </points>      ...   </consumer>  <transaction_id> rewedt22 </transaction_id>   <bio_data_1>      <type>iris </type>      <content> “iris.bmp” </content>      ...  </bio_data_1>   <bio_data_2>      ...      <type> fingerprint </type>     <content> “fingerprint.bmp” </content>      ...   <bio_data_2>  ... </bio_data>

Within implementations, the WIVD device may generate fingerprintscanning, iris scanning, etc., and provide the scanned images (e.g., in“.bmp”) format to the WIVD server, as shown in the above data structureexample. In an alternative implementation, the WIVD device may beequipped with a biometric data analysis component, and the biometricdata may be packaged according to biometric data interchange formatstandards, such as ANSI INCITS 379 Iris Image format, Finger MinutiaeFormat for Data Interchange ANSI INCITS 378, Finger Pattern-BasedInterchange Format INCITS 377, and/or the like.

Within implementations, the WIVD server may verify user identity 258based on the received biometric data 256, and upon the verification, theWIVD server may forward the transaction request for payment processing,e.g., 4119 in FIG. 41A.

In another implementation, the user mobile device 203, and/or the WIVDdevice 201, may periodically, constantly, intermittently provide usershopping experience related activity data 257 a-b to the WIVD server210, such user shopping experience related activity data 257 a-b mayinclude, but not limited to user check-in information indicating user'slocation at a physical store, user scanning a product item in-store forprice check, user check-out request of a product item, user social mediaactivities indicating user impression with regard to a product item,user online browsing activities, and/or the like. In one implementation,the WIVD server may analyze the obtained biometric data for userpreference heuristics 259. For example, the WIVD server may obtainstatistical results with regard to product items that have the most userbiometrics showing excitement. The WIVD server may then provideindividualized offers 261 to the user based on the user preference.

FIGS. 3A-3C provide exemplary logic flow diagrams illustratingconsumer-merchant interactions for augmented shopping experiences withinembodiments of the WIVD. In one embodiment, as shown in FIG. 3A, theconsumer 302 may start the shopping experience by walking into amerchant store, and/or visit a merchant shopping site 303. The merchant320 may provide a store check-in QR code via a user interface 304, e.g.,an in-store display, a mobile device operated by the store clerks (see401 in FIG. 4A).

In one implementation, the consumer may snap the QR code and generate acheck-in message to the WIVD server 310, which may receive the consumercheck-in message 309 (e.g., see 208 in FIG. 2A; 251 a in FIG. 2C),retrieve consumer purchase profile (e.g., loyalty, etc.) 312. In oneimplementation, the consumer device may extract information from thecaptured QR code and incorporate such merchant store information intothe check-in message. Alternatively, the consumer may include thescanned QR code image in the check-in message to the WIVD server, whichmay process the scanned QR code to obtain merchant information. Withinimplementations, the consumer device, and/or the WIVD server may adoptQR code decoding tools such as, but not limited to Apple® Scan foriPhone, Optiscan, QRafter, ScanLife, I-Nigma, Quickmark, Kaywa Reader,Nokia® Barcode Reader, Google® Zxing, Blackberry® Messenger, Esponce® QRReader, and/or the like. In another implementation, the merchant 320 mayreceive consumer check-in notification 313, e.g., from the WIVD server310, and/or from the consumer directly, and then load the consumerloyalty profile from a merchant database 316.

In one implementation, if the consumer visit a merchant shopping site at303, the consumer may similarly check-in with the merchant by snapping aQR code presented at the merchant site in a similar manner in 308-312.Alternatively, the consumer may log into a consumer account, e.g., aconsumer account with the merchant, a consumer wallet account (e.g.,V.me wallet payment account, etc.), to check-in with the merchant.

In one implementation, the merchant may receive consumer informationfrom the WIVD server (e.g., see 223 in FIG. 2A; 251 b in FIG. 2C, etc.),and may query locally available CSRs 318. For example, the CSRallocation may be determined based on the consumer level. If theconsumer is a returning consumer, a CSR who has previously worked withthe consumer may be assigned; otherwise, a CSR who is experienced infirst-time consumers may be assigned. As another example, one CSR mayhandle multiple consumers simultaneously via a CSR platform (e.g., seeFIG. 4C); the higher loyalty level the consumer has with the merchantstore, more attention the consumer may obtain from the CSR. For example,a consumer with a level 10 with the merchant store may be assigned toone CSR exclusively, while a consumer with a level 2 with the store mayshare a CSR with other consumers having a relatively low loyalty level.In further implementations, the CSR allocation may be determined on theconsumer check-in department labeled by product category (e.g., men'swear, women's wear, beauty and cosmetics, electronics, etc.), consumerpast interactions with the merchant CSR (e.g., demanding shopper thatneeds significant amount of assistance, independent shopper, etc.),special needs (e.g., foreign language supports, child care, etc.),and/or the like.

In one implementation, if a desired CSR match is not locally available319 (e.g., not available at the merchant store, etc.), the WIVD mayexpand the query to look for a remote CSR 321 which may communicate withthe consumer via SMS, video chat, WIVD push messages, etc., and allocatethe CSR to the consumer based 322.

Alternatively, a pool of remote CSRs may be used to serve consumers andreduce overhead costs. In an alternative embodiment, online consumersmay experience a store virtually by receiving a store floor plan for adesignated location; and moving a consumer shopper avatar through thestore floor plan to experience product offerings virtually, and theremote CSR may assist the virtual consumer, e.g., see FIGS. 5D-5F.

In one implementation, the consumer 302 may receive a check-inconfirmation 324 (e.g., see 407 in FIG. 4B), and start interacting witha CSR by submitting shopping assistance request 326. Continuing on withFIG. 3B, the CSR may retrieve and recommend a list of complementaryitems to the consumer (e.g., items that are close to the consumer'slocation in-store, items that are related to consumer's previouslyviewed/purchased items, items that are related to the consumer'sindicated shopping assistance request at 326, etc.). Upon consumersubmitting an indication of interests 328 in response to the CSRrecommended items, the CSR may determine a type of the shoppingassistance request 329. For example, if the consumer requests tocheckout (e.g., see 451 in FIG. 4M), the CSR may conclude the session333. In another implementation, if the request indicates a shoppingrequest (e.g., consumer inquiry on shopping items, see 427 a-c in FIG.4E, etc.), the CSR may retrieve shopping item information and add theitem to a shopping cart 331, and provide such to the consumer 337 (e.g.,see 434 d-e in FIG. 4F). The consumer may keep shopping or checkout withthe shopping chart (e.g., see 444 a-b in FIG. 4I).

In another implementation, if the consumer has a transaction paymentrequest (e.g., see 434 g in FIG. 4F), the CSR may generate a transactionreceipt including a QR code summarizing the transaction payment 334, andpresent it to the consumer via a CSR UI (e.g., see 442 in FIG. 4H). Inone implementation, the consumer may snap the QR code and submit apayment request 338 (e.g., see 443 in FIG. 4I).

In one implementation, WIVD server may receive the payment request fromthe consumer and may request PIN verification 341. For example, the WIVDserver may provide a PIN security challenge UI for the consumer to entera PIN number 342, e.g., see 464 in FIG. 4J; 465 a in FIG. 4K. If theentered PIN number is correct, the WIVD server may proceed to processthe transaction request, and generate a transaction record 345 (furtherimplementations of payment transaction authorization are discussed inFIGS. 41A-42B). If the entered PIN number is incorrect, the consumer mayobtain a transaction denial notice 346 (e.g., see 465 b in FIG. 4K).

Continuing on with FIG. 3C, upon completing the payment transaction, themerchant may receive a transaction receipt from the WIVD 347, andpresent it to the consumer 348 (e.g., see 447 in FIG. 4L). In oneimplementation, the consumer may view the receipt and select shippingmethod 351, for the merchant to process order delivery and complete theorder 352. In one implementation, the consumer may receive a purchasereceipt 355 via wallet push messages, and may optionally generate asocial media posting 357 to publish the purchase, e.g., see 465 in FIG.4N.

FIG. 3D provides an exemplary logic flow illustrating WIVD biometricdata collection within embodiments of the WIVD. Within implementations,a mobile wallet may submit a transaction request 361, and the WIVDserver, upon receiving the transaction request 362, may determine alevel of user identity fraud risk 363. Further details of fraud riskdetermination may be found in U.S. application Ser. No. 13/831,234,entitled “MULTI-STAGE TRANSACTION FRAUD SECURITY MANAGEMENT APPARATUSES,METHODS AND SYSTEMS”, filed on Mar. 14, 2013, which is herein expresslyincorporated by reference.

In one implementation, the mobile wallet may receive a user bio dataverification request 366, and in turn send the data request 368 to WIVDdevices. The WIVD devices may collect user biometrics characteristics(e.g., fingerprint, iris, retina, etc.) 369, and send to the WIVDserver. The WIVD server may retrieve a wallet holder's bio profile, andcompare the received biometrics data with the stored record 371. If therecord matches, the WIVD may direct the transaction request to paymentprocessing 375. Otherwise, the transaction may be denied for fraudprevention. Further details of multi-level transaction risk mitigationmay be found in U.S. application Ser. No. 13/831,234, entitled“MULTI-STAGE TRANSACTION FRAUD SECURITY MANAGEMENT APPARATUSES, METHODSAND SYSTEMS”, filed on Mar. 14, 2013, which is herein expresslyincorporated by reference.

FIG. 3E provides an exemplary logic flow illustrating WIVD biometricdata heuristics within embodiments of the WIVD. In one implementation,the WIVD may receive biometric data 381 from the WIVD devices,intermittently, constantly, periodically, or on demand. The WIVD mayreceive user shopping experience related activity data 382 (e.g., usercheck-in, user social media activities, user online shopping browsing,user check-out event, user scanning for price check, etc.). The WIVD maycorrelate the received biometrics data and the shopping experience(e.g., based on a timestamp, etc.), and determine a type of the receivedbiometrics data 384. The WIVD may then determine if the indicated usersentiment associated with the biometrics data is greater than athreshold 385 (e.g., brain activity level, time duration that theconsumer's vision focus, etc.), the WIVD may determine the consumer isinterested in the product. In one implementation, the WIVD may determinea product item from the user activity 386, and retrieve statisticalrecord related to the product 387, e.g., whether the consumer hasexhibited interests towards related product categories historically,etc. For example, if the consumer has showed excited sentiment viabiometrics data analysis towards the product category “outdoor gears,”the WIVD may determine the consumer is interested in the productcategory 389, and place the product category in the user wallet profile390 for offers, recommendations, etc.

In further implementations, the WIVD may generate a user intereststatistical score with a product item, and/or a product category 388 todetermine whether the consumer is interested in such productitem/category. For example, WIVD may quantify the biometrics andgenerate a weighted sum of biometrics showing user excitement, and/orthe like.

FIGS. 4A-4M provide exemplary UI diagrams illustrating embodiments ofin-store augmented shopping experience within embodiments of the WIVD.With reference to FIG. 4A, the merchant may provide a check-in pageincluding a QR code via a user interface. For example, a merchant salesrepresentative may operate a mobile device such as an Apple iPad, a PoSterminal computer, and/or the like, and present a welcome check-inscreen having a QR code 401 for the consumer to scan. In oneimplementation, the consumer may instantiate a mobile wallet on apersonal mobile device, and see a list of options for person-to-persontransactions 4021, wallet transaction alerts 402 b, shopping experience402 c, offers 402 d, and/or the like (further exemplary consumer walletUIs are provided in FIGS. 31-37B).

In one implementation, the consumer may instantiate the shop 402 coption, and check-in with a merchant store. For example, the consumermay operate the wallet application 403 to scan the merchant check-in QRcode 404. Continuing on with FIG. 4B, upon scanning the merchant QRcode, the consumer wallet application may provide merchant informationobtained from the QR code 405, and the consumer may elect to check-in406. In one implementation, the wallet may submit a check-in message tothe WIVD server, and/or the merchant PoS terminal (e.g., see 204/208 inFIG. 2A). Upon successful check-in, the consumer may receive a check-inconfirmation screen 407, and proceed to shop with WIVD 408.

FIGS. 4C-4D provide exemplary merchant UIs for augmented shoppingassistance upon consumer check-in within embodiments of the WIVD. Forexample, in one implementation, a merchant CSR may log into a CSRaccount 403 to view a UI at a mobile PoS (e.g., a iPad, etc.) 401. Forexample, the CSR may view a distribution of consumers who have loggedinto the merchant store 409, e.g., consumers who have logged into the1^(st) floor 411 a, the 2^(nd) floor 411 b, and so on. In oneimplementation, for each checked in consumer, the CSR may view theconsumer's profile 412 a-h, including the consumer's shopping level(loyalty level) with the merchant store, in-store notes/points, and/orthe like. In one implementation, the CSR may send messages to aparticular consumer 415, or to send greeting messages, shoppinginformation, etc., to all consumers 413.

For example, with reference to FIG. 4D, in one implementation, a CSR maytap a “MSG” icon 413 with the profile photo of a customer 412 a, andenter a dialogue line 416 a. In another implementation, the CSR maycommunicate with multiple consumers, e.g., the CSR may receive dialogueresponses from consumers 416 b.

With reference to FIG. 4E, a consumer may receive messages from amerchant CSR, e.g., greeting messages upon successful check-in at amerchant store 420, messages from a CSR to assist the shopping 421,and/or the like. In one implementation, the consumer may interact withthe CSR by entering text messages 422 (e.g., SMS, wallet push messages,instant messages, etc.).

In a further implementation, the consumer wallet may allow a consumer toinclude an image in the message with CSRs. In one implementation, theconsumer may tap a camera icon 423 to snap a picture of an in-storeadvertisement, a front window display, a poster, etc., and submit thepicture to the CSR to indicate the consumer's shopping interests. Forexample, the consumer may express interests in “Jeans” 427 a, and maysnap a picture of an in-store commercial poster of “men's jeans” 427 b,and ask the CSR about “where to find” the jeans in display 427 c.

With reference to FIG. 4F, a consumer may video chat with a CSR toobtain real-time shopping assistance 431. In one implementation, the CSR432 may comprise a merchant sales clerk, or a virtual shopping assistantavatar. In further implementation, WIVD may confirm the consumer'sidentity to prevent fraud via the video chat, as further discussed inFIG. 37B. In one implementation, an WIVD shopping CSR may communicatewith the consumer 433 to provide a list of options for the consumer'sWIVD shopping assistance. For example, a consumer may elect to meet aCSR in person at the merchant store for shopping assistance 434 a. Asanother example, WIVD may provide a floor map of brands, productslocations 434 b to the consumer wallet (e.g., see 510 in FIG. 5B). Asanother example, WIVD may start an augmented reality in-store scanningexperience to assist the consumer's shopping 434 c, e.g., the consumermay capture a visual reality scene inside of the merchant store and viewvirtual labels overlay showing product information atop of the capturedreality scene (e.g., see FIG. 5C). As another example, WIVD may providea list of popular products 434 d, popular offers 434 e, popular productsover social media 434 f, comments/ratings, and/or the like. As anotherexample, the consumer may elect to pay for an item when the consumer hasalready selected the product item 434 g (e.g., further paymenttransaction details with a wallet application are discussed in FIGS.41A-43B).

With reference to FIG. 4G, a CSR may operate CSR mobile device to help aconsumer to add an item to the shopping cart. For example, in oneimplementation, the CSR may search a product by the stock keeping unit(SKU) number 435 for the consumer 436 a (with the loyalty profile 437b). In one implementation, the CSR may maintain a list of consumerinterested products 439. The CSR may tap on a consumer interestedproduct to obtain a QR code, and/or scan the QR code of a product 440 toadd the product into the shopping list of the consumer. In oneimplementation, WIVD may provide a payment amount summary for the itemsin the shopping cart 439.

With reference to FIG. 4H, upon CSR tapping on a consumer interestedproduct item and obtaining/scanning a QR code, the WIVD may generate aQR code for the product item, e.g., as a floating window 442, etc. Inone implementation, the consumer may operate the consumer wallet to snapa picture of the QR code 442 to proceed to purchase payment, e.g., seeFIGS. 35A-35E.

With reference to FIG. 4I, upon the consumer snapping a QR code 442, theconsumer may obtain payment bill details obtained from the QR code 443.In one implementation, the consumer may elect to continue shopping 444a, and be directed back to the conversation with the CSR. In anotherimplementation, the consumer may elect to pay for the transaction amount444 b.

In one implementation, upon submitting a “Pay” request 444 b, the WIVDmay provide a PIN security challenge prior to payment processing toverify the consumer's identity. For example, the WIVD may request a userto enter a PIN number 454 via a dial lock panel 455. In alternativeimplementations, as shown in FIG. 4J, WIVD may provide a dynamic keypadUI for the consumer to enter pass code 465 a, e.g., the configuration ofnumbers and letters on the keypad are randomly distributed so that theconsumer's pass code entry may not be captured by malicious spyware,instead of the traditional dialing keypad. In one implementation, if thepass code entered is incorrect, the consumer may receive a transactiondenial message 465 b. Further implementation of security challenges maybe found in PCT international application serial no. PCT/US12/66898,filed Nov. 28, 2012, entitled “Transaction Security Graduated SeasoningAnd Risk Shifting Apparatuses, Methods And Systems,” which is herebyexpressly incorporated by reference.

With reference to FIG. 4K, upon the consumer completing the paymenttransaction, the CSR may generate a sales receipt 447, showing thepurchase item and transaction amount paid. In one implementation, theCSR may send the sales receipt to the consumer wallet (e.g., via walletpush message system, etc.), and the consumer may elect to either pick upthe purchased item in store 445 a, or ship the purchased item to apreviously stored address 445 b.

With reference to FIG. 4L, upon completing the transaction, the consumermay receive a purchase receipt 448 via wallet push message service, andmay elect to continue shopping 449 with the CSR, and/or checkout 451. Ifthe consumer elects to checkout, the consumer may receive a checkoutconfirmation message 454.

With reference to FIG. 4M, a consumer may view the receipt of pastpurchases at any time after the transaction, wherein the receipt maycomprise payment amount information 462, and purchase item information463. In one implementation, the consumer may connect to social media 464to publish the purchase. For example, if the consumer taps on a “tweet”icon, the consumer may edit a tweet about the purchase, wherein thetweet may be pre-populated with hash tags of the item and the merchantstore 465.

FIGS. 5A-5C provide exemplary UI diagrams illustrating aspects ofaugmented reality shopping within embodiments of the WIVD. In oneimplementation, a consumer may edit a shopping list 502 within thewallet. For example, the consumer may type in desired shopping itemsinto a notepad application 503, engage a voice memo application 505 a,engage a camera 505 b to scan in shopping items from a previous salesreceipt 507 (e.g., a consumer may periodically purchase similar productitems, such as grocery, etc.), and/or the like. In one implementation,the consumer may scan a previous sales receipt 507, and WIVD mayrecognize sales items 508, and the consumer may add desired productitems to the shopping list by tapping on an “add” button 509. Forexample, the WIVD may determine a product category and a productidentifier for each product item on the shopping list, and obtainproduct inventory and stock keeping data of the merchant store (e.g., adatatable indicating the storing location of each item). The WIVD mayquery the obtained product inventory and stock keeping data based on theproduct identifier and the product category for each product item, anddetermine an in-store stock keeping location for each product item basedon the query.

With reference to FIG. 5B, the WIVD may automatically load a store mapand label product items from the shopping list on the store map. Forexample, a consumer may engage the WIVD to check-in at a grocery store(e.g., in a similar manner as discussed in FIG. 4A), and then select anoption of “see store map” (e.g., see 434 b in FIG. 4F). The WIVD mayprovide a store map 510 of the grocery store, and may provide tags 511 aindicating locations of product items from the consumer's shopping liston the store map.

In another implementation, with reference to FIG. 5C, when the consumerselect the option of “start augmented reality shopping experience”(e.g., see 434 c in FIG. 4F), the consumer may engage the mobile deviceto scan an in-store reality scene 515, and WIVD may provide virtuallabels overlay on top of the reality scene to provide locations ofproduct items on the shopping list. For example, virtual overlay labelsmay provide locations of “Apple Jam” 517 on the shelf, or providedirections for the consumer to locate other product items that are notlocated within the captured reality scene 516. In one implementation,the virtual overlay label 517 may comprise a transparent orsemi-transparent block showing product name, covering the scannedproducts on the shelf. In one implementation, the WIVD may receive theshopping list (e.g., at a remote server, at the merchant store, etc.),and may automatically provide the tagged store map described in FIG. 5B,and/or the store augmented reality scene with virtual overlay in FIG. 5Cto the consumer device. Alternatively, such operations may be performedat the consumer mobile device locally.

FIGS. 5D-5F provide exemplary UIs illustrating virtual shoppingexperiences within embodiments of the WIVD. In one embodiment, onlineconsumers may experience a store virtually by receiving a store floorplan for a designated location; and moving a consumer shopper avatarthrough the store floor plan to experience product offerings virtually,and the remote CSR may assist the virtual consumer. See FIG. 5D. Forexample, the virtual store may be comprised of stitched-togethercomposite photographs having detailed GPS coordinates related to eachindividual photograph and having detailed accelerometer gyroscopic,positional/directional information, all of which may be used to allowWIVD to stitch together a virtual and continuous composite view of thestore (e.g., akin to Google street view composite, etc.). For example,as shown in FIG. 5E, in one implementation, a consumer may move theirconsumer shopper avatar 533 around the virtual composite view of thestore, e.g., to move forward or backward, or turn left or right alongthe arrows 534 to obtain different views of the store. In someimplementations, the store may position cameras 535 on the shelves inorder to facilitate the virtual view of the store.

In an alternative implementation, every aisle and shelving stack mayinclude a numerous, wide-angle cameras having a specified accelerometergyroscopic, positional/directional orientation, periodically taking aphotograph of the opposing aisle/area, which may be submitted to theWIVD server, so that the virtual store map may be continually updatedand be kept up to date. For example, as shown in FIG. 5D, a store mapincluding tags indicating a distribution view of in-store cameras (e.g.,530 a-b, etc.) and the visual scope of each camera (e.g., 531 a-b) maybe provided to a consumer so that the consumer. In one implementation,such camera may be positioned to capture the view of an aisle and theshelves on both sides (e.g., see camera 530 a and its visual scope 531a, etc.). Alternatively, the camera may be positioned to capture a frontview of an opposing shelf (e.g., camera 530 b and its visual scope 531b, etc.). In some implementations, as shown in FIG. 5D(1), the cameras532 a may be positioned in a grid such that the visual scope 532 b ofthe cameras overlap, allowing WIVD to stitch together images to create apanoramic view of the store aisle.

In an alternative embodiment, such cameras may provide a continuous livevideo feed and still photos may be obtained from the live video framegrabs, which may be used to generate virtual store maps. In oneimplementation, a motion detection component may be used as a trigger totake still photos out of a live videos when the motion detectioncomponent detects no motion in the video and thereby providesunobstructed views for virtual map composition. In addition, when aconsumer focuses on a particular shelf, aisle, stack, and/or region,e.g., a consumer turns their avatars parallel to a camera directionalview, the consumer's view may then become filled with the live videofeed of the camera closest to the consumer avatar's location.

In another implementation, as shown in FIG. 5F, WIVD may install robots538 (e.g., Roombas and/or the like) in store, which are distributedamong aisles and stacks to obtain visual captures of the in-store sceneusing on-board cameras 539. For example, the robots may comprise mobileintelligent robots (e.g., iRobot® Create connected to a camera via theiRobot® Create open interface). In one implementation, when a consumercaptures a robot via WIVD in the reality scene, and/or see a robotduring remote virtual shopping, the consumer may obtain a location ofthe robot 539 a and a link to download a close-up image of the shelf 539b captured by the camera installed with the robot 538. In someimplementations, the robots may capture the in-store scene whilecleaning up aisles, arranging products, and/or the like. In someimplementations, as shown in FIG. 5F(1), the robots may comprise mobileintelligent robots 540 that may be able to physicallyshop/select/package items for user delivery/pickup.

In further implementations, the consumer may be navigating a merchant'sshopping site, having a shopping cart filled with product items, and theremote CSR may join the consumer's shopping session and provideassistance, allowing the CSR to provide the consumer with links toproduct items that may be of interests to the consumer; this may beachieved by having a CSR help/request button that may generate a pop-upwindow for audio/video chat with the CSR, and a dialogue box into whichthe CSR may place a link to the products. The consumer may click on thelink provided by the CSR to be directed to a product page to viewproduct details.

FIGS. 6A-19D provide example embodiments of an augmented realityplatform which provides a user interface instantiated on a user deviceincluding option labels on top of a camera captured reality scene sothat a user may tap on the option labels to select a service option. Forexample, when a user place a camera-enabled mobile device to capture aview of a payment card, the WIVD may identify a card in the capturedview and overlay a list of option labels related to the payment card,such as balance information, transfer funds, and/or the like.

FIG. 6 provides a diagram illustrating an example scenario of WIVD userssplitting a bill via different payment cards via visual capturing thebill and the physical cards within embodiments of the WIVD. As shown inFIG. 6, when two consumers, e.g., user 611 a and user 611 b, receive abill or invoice 615 for their consumption at a dining place (e.g., arestaurant, a bar, a lounge, etc.), the users 611 a-b may desire tosplit the bill 615 in different ways, e.g., share the bill equally perhead counts, per their consumed portions, etc. One traditional way isfor the users 611 a-b to provide their payment cards (e.g., a creditcard, a debit card, etc.) to the restaurant cashier (e.g., 617), and thecashier may split the bill 615 to generate separate bills for each cardpayment, wherein the amount due on each of the split bill may beallocated according to the preference of the users 611 a-101 b.

In a different embodiment, the users 611 a-b may launch a WIVD componentinstantiated on a camera-enabled mobile device 613 a-103 b to capture aview of the table, e.g., including the received invoice/bill 615 havinga quick response (QR) code or barcode printed thereon, and a pluralityof payment cards 619 a-109 b that the users 611 a-b are going to pay forthe bill. The users 611 a-b may view virtual overlaid labels on top ofthe captured scene, so that they can tap on the option labels to split abill equally, proportionally, and/or the like.

Within implementations, users 611 a-b may facilitate payment from theirpayment cards upon WIVD augmented reality capturing at the same mobiledevice/wallet. For example, user 611 a may operate her mobile device 613a to capture a scene of the two payment cards 619 a-b, while card 619 bbelongs to user 611 b. In one implementation, the WIVD componentinstantiated on the mobile device 613 a may send an authorizationrequest to a processing server, or a wallet management server toauthorize split payment transaction on the payment card 613 b. In suchscenarios, users 611 a-b may conduct a transaction including paymentsfrom two wallets on the same mobile device, without user 611 bindependently initiates a transaction using his mobile device 613 b.Further implementations of restaurant bill payment scenarios areillustrated in FIGS. 15A-15F.

FIG. 7A provides a diagram illustrating example virtual layersinjections upon virtual capturing within embodiments of the WIVD. In oneembodiment, a WIVD component may be instantiated at a consumercamera-enabled mobile device 713 to capture a scene of an object, e.g.,a product item 712, a merchant store, and/or the like. Withinimplementations, the WIVD component may provide multiple layers ofaugmented reality labels overlaid atop the captured camera scene, e.g.,the product 712. For example, a consumer may select a merchant providedlayer 715 a to obtain product information, product price, offers fromthe merchant, points options that apply to the product, price match,store inventory, and/or the like; a consumer wallet layer 715 b toobtain wallet account information, payment history information, pastpurchases, wallet offers, loyalty points, and/or the like; a retailerlayer 715 b to obtain product information, product price, retailerdiscount information, in-store map, related products, store location,and/or the like; a social layer 715 d to obtain social rating/reviewinformation, such as Amazon ratings, Facebook comments, Tweets, relatedproducts, friends ratings, top reviews, and/or the like.

Within embodiments, the different layers 715 a-d may compriseinterdependent information. For example, merchant layer 715 a and/orretailer layer 715 b may provide information of related products basedon user reviews from the social payer 715 d. A variety of commerceparticipants, such as, but not limited to manufacturers, merchants,retailers, distributors, transaction processing networks, issuers,acquirers, payment gateway servers, and/or the like, may bid for layerspace in the augmented reality shopping experience.

FIGS. 7B-7C provide exemplary UI diagrams illustrating consumerconfigured layer injection within embodiments of the WIVD. As shown inFIG. 7C, when a consumer places a mobile device to capture a visualreality scene of an object, e.g., a barcode on a sales receipt 717,multiple information layers may be injected with regard to the barcode.For example, a social layer 716 a may provide information about socialratings, comments from social media platforms about the product items,merchant reflected in the sales receipt; a receipt layer 716 b mayprovides detailed information included in the sales receipt, e.g., totalamount, tax amount, items, etc.; a wallet layer 716 c may provideeligible account usage, e.g., healthcare products, etc.; a merchantlayer 716 d may provide merchant information; a product layer 716 e mayprovide product item information that are listed on the sales receipt,etc. In one implementation, the multiple virtual labels overlay may beoverly crowded for the consumer to view, and the consumer may configurevirtual labels that are to be displayed. For example, as shown at 718a-c in FIG. 7B and 718 d-e in FIG. 7C, the consumer may check oninformation labels that are desired.

In one implementation, as shown at 719 in FIG. 7C, upon consumerconfigurations, only virtual labels that have been selected by theconsumer may be displayed. For example, per consumer selections, onlymerchant name but not merchant address is displayed in the merchantlabel; Facebook comments are displayed in the social layer; and walletFSA eligibility usage is displayed.

FIG. 8 provides diagrams illustrating example embodiments of automaticaugmented reality layer injection within embodiments of the WIVD. Withinembodiments, virtual information layer overlays may be automaticallyinjected based on consumer queries, consumer purchase context, consumerenvironment, object snaps, and/or the like. For example, when a consumer811 searched for a product on the mobile device 813, e.g., “affordablewide-angle lens” 823, the digital wallet 823 may capture the query textand use it for automatic augmented layer injection; when the consumermobile device 813 snaps a scene of a camera 824, the WIVD mayautomatically inject a layer comprising price match information 825 ofthe snapped camera 824, based on consumer indicated interest on“affordable prices” during the consumer's query.

As another example, a consumer 811 may walk into a merchant store andthe mobile device 813 may capture the consumer's GPS coordinates 826.The WIVD may then determine the consumer is located at a retailer shopbased on the GPS coordinates 827, and may provide a retailer layer ofaugmented reality overlay labels 829 to the mobile device capturedin-store scenes, e.g., including retailer discounts, in-store map,related products inventories, and/or the like.

FIGS. 9A-9E provide exemplary user interface diagrams illustrating cardenrollment and funds transfer via WIVD within embodiments of the WIVD.For example, as shown in FIG. 9A, a user may instantiate a wallet visualcapturing component 901 which employs an image/video capturing componentcoupled with the user's mobile device to capture views in reality. Inone implementation, a user may configure settings 902 of the WIVD visualcapturing component.

For example, a user may move a sliding bar 907 a to enable or disable asmart finger tip component 903 a, e.g., when the smart finger tipcomponent is enabled, the WIVD may capture a human finger point within acaptured reality scene (e.g., see also 912, etc.), etc. In oneimplementation, the smart finger tip component 903 a may engagefingertip motion detection component (e.g., see FIG. 20C) to detectmovement of the consumer's fingertips. For example, the WIVD maygenerate visual frames from the video capturing of the reality scene,and compare a current frame with a previous frame to locate the positionof a fingertip within the video frame, as further discussed in FIG. 20C.

In another example, a user may move the sliding bar 907 b to enable ordisable auto card detection 903 b, e.g., when the auto card detectioncomponent is enabled, the WIVD may automatically detect and identifywhether any rectangular object in a captured reality scene comprise apayment card, etc. In another example, a user may move the sliding bar907 c to enable or disable facial recognition 903 c, e.g., when thefacial recognition component is enabled, the WIVD may automaticallyrecognize human faces (e.g., including a human, a printed facial imageon a magazine, a friend's picture displayed on a digital screen, etc.)that are presented in the reality scene and identify whether the humanface matches with any of previously stored contacts. In another example,a user may move the sliding bar 907 d to enable or disable smart billtender component 903 d, e.g., when the smart bill tender component isenabled, the WIVD may provide option labels based on a type of the bill.When the bill is a restaurant bill, the WIVD may provide options tofacilitate tip calculation, bill splitting per actual consumption,and/or the like. In another example, a user may move the sliding bar 907e to enable or barcode reading component 903 e, e.g., the WIVD may reada barcode, and/or a QR code printed on a purchase label, invoice or billto provide payment information via overlaid labels on the capturedreality scene.

In one implementation, the user may configure a maximum one-time paymentamount 904 via the WIVD initiated transaction, e.g., by sliding the bar905 to select a maximum amount of $500.00. In another implementation, auser may select to include social connections 906 into the WIVDcapturing component, e.g., the WIVD may obtain social data such as userreviews, ratings with regard to a capture purchase item in the realityscene (see 1435 in FIG. 14). Additional wallet features may beintegrated with the WIVD such as a shopping cart 908 a, a transfer fundsmode 908 b, a snap barcode mode 908 c, a capture mode 908 d, a socialmode 909 e, settings mode 909 f, and/or the like.

Within implementations, when a user places a camera-enabled mobiledevice (e.g., 913) to capture a reality scene, a user may view aplurality of virtual labels overlaid on top of the captured realityscene. For example, the user may view a sliding bar 910 to controlwhether to enable the smart finger tip component. As shown in FIG. 9A,when the smart finger tip is on, the WIVD may detect a human finger tip912 in the reality scene, and detect an object that the finger tip ispointing at, e.g., 911. In this case, the WIVD may determine the fingerpointed rectangular object is a payment card with a card number printedthereon. Upon performing optical character recognition (OCR) on thepayment card, the WIVD may determine whether the payment card matcheswith an account enrolled in the user's wallet, e.g., a “Fidelity Visa*1234” account 913. The user may tap on the displayed option buttons 914a-b to indicate whether the WIVD's card recognition result is accurate.For example, in one implementation, WIVD may adopt OCR components suchas, but not limited to Adobe OCR, AnyDoc Software, Microsoft OfficeOneNote, Microsoft Office Document Imaging, ReadSoft, Java OCR,SmartScore, and/or the like.

Continuing on with FIG. 9B, when the finger pointed card 911 is notidentified by the WIVD as any enrolled account in the wallet, the WIVDmay prompt a message to inquire whether a user would like to add theidentified card to the wallet, e.g., 915. In one implementation, theWIVD may provide a wallet icon 916 overlaid on top of the capturedreality scene, and prompt the user to “drag” the card into the walleticon 917. In one implementation, when the smart finger tip component ison (e.g., 910), the user may move his real finger tip (e.g., 911) to thelocation of the wallet icon 916, wherein the WIVD smart finger tipcomponent may capture the finger point movement. In anotherimplementation, the user may tap and move his finger on the touchablescreen of his mobile device to “drag” the card 911 into the wallet icon916 to indicate a card enrollment request.

With reference to FIG. 9C, upon dragging a card to a wallet, the WIVDmay switch to a user interface to confirm and enter card enrollmentinformation to add an account 920. For example, the user may need toenter and confirm card information 921, cardholder information 922 andview a confirmation page 923 to complete card enrollment. In oneimplementation, the WIVD may automatically recognize card information924 from OCR the captured scene, including card type, cardholder name,expiration date, card number, and/or the like. In anotherimplementation, the WIVD may request a user to enter information that isnot available upon scanning the captured scene, such as the CVV code925, etc.

In one implementation, upon enrolling the card, the WIVD may switch backto the visual capturing scene, with an overlaid notification showing thecard is ready to use 926, and provide a plurality of overlaid optionlabels beneath the card 911, such as, but not limited to view balance927 a (e.g., a user may tap and see the current balance of the card),view history 927 b (e.g., the user may tap and view recent transactionhistory associated with the card), transfer money from 927 c (e.g., theuser may select to transfer money from the card to another account),transfer money to 927 d (e.g., the user may transfer money to the cardfrom another account, etc.), pay shopping cart 927 e (e.g., the user mayengage the card to pay the current shopping cart 908 a), and/or thelike. Various other option labels related to the card may becontemplated.

In one implementation, if the user selects to tap on the “transfer $$to” button 927 d, with reference to FIG. 9D, the WIVD may promptoverlaid labels for fund transfer options, such as a few suggesteddefault transfer amounts (e.g., $10.00, $20.00, $30.00, etc.) 928, orthe user may choose other amounts 929 to enter a transfer amount 930.

In one implementation, the user may move his finger to point to anothercard in the real scene so that the smart finger tip component maycapture the payee card. In another implementation, as shown in FIG. 9D,when the smart finger tip component is turned off 931, the user may tapon the touchable screen to indicate a desired payee card. For example,the WIVD may capture the object the user has tapped on the screen 932and determine it is a metro card. The WIVD may then retrieve a metrocard account enrolled in the wallet and prompt the user to selectwhether to transfer or re-read the card selection 933. In oneimplementation, when the user selects “transfer,” the WIVD may provide amessage to summarize the fund transfer request 933 and prompt the use toconfirm payment. Fund transfer requests may be processed via the paymenttransaction component as discussed in FIGS. 42A-43B.

With reference to 9E, upon user confirming fund transfer, the WIVD mayprovide a message notifying completion of the transaction 937, and theuser may select to view the transaction receipt 938. In oneimplementation, the WIVD may provide a virtual receipt 939 including abarcode 940 summarizing the transaction. In one implementation, the usermay email 941 the virtual receipt (e.g., for reimbursement, etc.), or toearn points 942 from the transaction.

FIGS. 10-14 provide exemplary user interface diagrams illustratingvarious card capturing scenarios within embodiments of the WIVD. Withreference in FIG. 10, the WIVD may detect the user's finger point viathe smart finger tip in the real scene, and determine a human face ispresented 1002 when the facial recognition component is enabled. In oneimplementation, the WIVD may determine whether the detected face matcheswith any of the existing contact, and provide a message 1002 for theuser to confirm the match. In one implementation, the user may confirmthe match if it is correct 1004, or to view the contact list to manuallylocate a contact when the match is inaccurate 1005, or to add a newcontact 1006.

In one implementation, upon the facial recognition, the WIVD may providea plurality of option labels overlaid on top of the reality scene, sothat the user may select to call the contact 1008 a, send a SMS 1008 b,email the contact 1008 c, transfer funds to the contact 1008 d, connectto the contact on social media 1008 e, view the contact's publishedpurchasing history 1008 f, and/or the like. In one implementation, ifthe user selects to transfer money to the contact, the WIVD may retrievea previously stored account associated with the contact, or prompt theuser to enter account information to facilitate the transfer.

With reference to FIG. 11, a user may tap on the screen to point to ametro card 1111, and the WIVD may determine the type of the selectedcard and provide a plurality of option labels, such as view balance 1112a, pay suggested amounts to the metro card 1112 b-d, renew a monthlypass 1112 e, and/or the like.

In another implementation, when the WIVD determines the user tappedportion of the screen comprises a user's DMV license, 1113, the WIVD mayprovide a plurality of option labels, such as view DMV profile 1114 a,view pending tickets 1114 b, pay ticket 1114 c, file a dispute request1114 d, and/or the like.

With reference to FIG. 12, when the WIVD determines the user tappedportion of the screen comprises a user's library membership card 1217,the WIVD may provide a plurality of option labels, such as view booksdue 1218 a, make a donation of suggested amounts 1218 b-d, pay overduefees 1218 e, and/or the like.

In another implementation, when the WIVD determines the user tappedportion comprises a store membership card 1220, e.g., a PF Chang's card,the WIVD may provide a plurality of labels including viewpoints 1221 a,pay with the card 1221 b, buy points 1221 d-e, call to order 1221 e,and/or the like.

With reference to FIG. 13, when the WIVD determines the user tappedportion comprises an insurance card 1324, e.g., a Blue Cross Blue Shieldcard, the WIVD may provide a plurality of labels including view profile1325 a, view claim history 1325 b, file insurance claim 1325 c, submitinsurance information 1325 c, view policy explanation 1325 e, and/or thelike.

In another implementation, when the WIVD determines the user tappedportion comprises a bill including a barcode 1326, e.g., a purchaseinvoice, a restaurant bill, a utility bill, a medical bill, etc., theWIVD may provide a plurality of labels including view bill details 1327a, pay the bill 1327 b, request extension 1327 c, dispute bill 1327 d,insurance reimbursement 1327 e (e.g., for medical bills, etc.), and/orthe like.

With reference to FIG. 14, when the WIVD determines the user tappedportion comprises a purchase item 1431, e.g., a purchase item comprisinga barcode, etc., the WIVD may provide a plurality of labels includingview product detail 1433 a, compare price 143 b (e.g., price match withonline stores, etc.), where to buy 1433 c, get rebate/points if the userhas already purchased the item 1433 d, pay for the item 1433 e, viewsocial rating 1433 f, submit a social rating 1433 g, and/or the like. Inone implementation, if the user selects where to buy 1433 c, the WIVDmay provide a list of nearby physical stores 1434 a that features theproduct item based on the GPS information of the user mobile device. Inanother implementation, the WIVD may provide a list of shopping sites1434 b that lists the purchase item.

In one implementation, if the user selects view social rating 1433 f ofthe product, the WIVD may retrieve social data from various social mediaplatforms (e.g., Facebook, Twitter, Tumblr, etc.) related to thefeatured product, so that the user may review other users' commentsrelated to the product.

FIGS. 15A-15F provide exemplary user interface diagrams illustrating auser sharing bill scenario within embodiments of the WIVD. Withreference to FIG. 15A, a user may place two or more payment cards with arestaurant bill and capture the view with the camera-enabled mobiledevice. When the WIVD determines there is a restaurant bill (e.g., viathe barcode reading 1502, etc.) and two payment cards 1503 a and 1503 bin the scene, the WIVD may provide plurality of labels including viewbill details 1504 a, split bill 1504 b (e.g., as there are more than onecard presented, indicating an attempt to split bill), pay bill 1504 c,calculate tip amount 1504 d, update bill 1504 e, and/or the like. In oneimplementation, if the user selects to split bill 1504 b, the WIVD mayprovide option labels such as equal share 1505 a, prorate share 205 b,share by actual consumption 1505 c, and/or the like.

In one implementation, when the user selects action consumption 1505 c,the PVTC may provide tags of the consumed items 1507 a-b, e.g., byreading the bill barcode 1502, or by performing OCR on the bill image,etc. In one implementation, a user may drag the item 1507 a, e.g., a“bloody Mary” 1508 into the “I Pay” bowl 1510. The user may tap on theplus sign 1509 to increase quantity of the consumed item. In oneimplementation, the user may tap on a card 1511 to indicate pay withthis card for the item in the “I Pay” bowl 1510 as summarized in label1512. In one implementation, the WIVD may provide option labels fortips, including suggested tip percentage (e.g., 15% or 20%) 1513 orenter tip amount 1514.

Continuing on with FIG. 15B, the user may manually enter a tip amount1520. In one implementation, the WIVD may prompt a message to the usersummarizing the payment with the selected card 1521. Upon confirmingpayment with the first selected card, the WIVD may automatically promptthe message to inquire whether the user would charge the remaining itemson the bill to the second card 1522. In one implementation, the user maydrag items for payment with the second card in a similar manner asdescribed in FIG. 15A.

With reference to FIG. 15C, if the user selects equal share, the WIVDmay capture the card data and prompt a message 1531 showing paymentinformation, and provide options of suggested tip amount 1532, or usermanually enter tips 1533. In one implementation, if the user selects tomanually enter tip amount, the user may enter different tip amounts fordifferent cards, e.g., by tapping on one card and entering a tip amount1534 a-b.

With reference to FIG. 15D, if the user selects prorate share, the usermay tap on one card 1535, and the WIVD may provide a plurality of labelsincluding suggested share percentage 1536 a, suggested share amount 1536c, or to enter a share 1536 b. In one implementation, the user may entera share for a selected card 1537, and view a message for a summary ofthe charge 1538. In one implementation, the user may select or enter atip amount in a similar manner as in FIG. 15C.

Continuing on with FIG. 15E, when a consumer attempts to engage WIVD tosplit a bill with two cards belonging to two different cardholders,e.g., sharing a restaurant bill between two friends' credit cards, WIVDmay require authentication credentials to proceed with a transactionrequest upon a card that is not enrolled with the current wallet, and/orassociated with a different cardholder. For example, continuing on withWIVD capturing two cards “*7899” and “*5493” to split a bill (438 inFIG. 15D), the mobile device/wallet that is used to instantiate WIVDcomponent may belong to the cardholder of card *7899, and card *5493belongs to a different cardholder. In one implementation, WIVD mayprovide a message showing card *5493 is not currently enrolled with thewallet 1540, and in order to proceed with the transaction, requestingthe consumer to either add card *5493 to the current wallet 1542, or toverify with authentication credentials 1541.

In one implementation, if the consumer elects “add card” 1542, theconsumer may proceed with card enrollment in a similar manner as 215 inFIG. 2B. In another implementation, the consumer may elect to provideauthentication credentials 1541, such as entering a cardholder's PIN forthe card *5493 (e.g., 1543), submitting the cardholder's fingerprintscan 1545, and/or the like.

Continuing on with FIG. 15F, in one implementation, in addition to theauthentication credential inputs, the cardholder of card *5493 mayoptionally receive an alert message informing the attempted usage of thecard 1551. In one implementation, the alert message 1551 may be a V.mewallet push message, a text message, an email message, and/or the like.The cardholder of card *5493 may elect to approve the transaction 1552,reject the transaction 1553, and/or report card fraud 1554. In oneimplementation, if the submitted authentication credentials do notsatisfy the verification, or the cardholder of card *5493 rejects thetransaction, the WIVD may receive an alert indicating the failure tocharge card *5493 1555, and the consumer may initiate a request forfurther authentication or transaction processing 1557, e.g., by fillingout an application form, etc. In another implementation, if theauthentication is successful, the WIVD may provide a confirmationmessage 1558 summarizing the transaction with card *5493.

FIG. 16A provide exemplary user interface diagrams illustrating a cardoffer comparison scenario within embodiments of the WIVD. In oneimplementation, various payment cards, such as Visa, MasterCard,American Express, etc., may provide cash back rewards to purchasetransactions of eligible goods, e.g., luxury products, etc. In oneimplementation, when a user use the camera-enabled mobile device tocapture a scene of a luxury brand item, the WIVD may identify the item,e.g., via trademark 1605, item certificate information 1606, and/or thelike. The WIVD may provide a tag label overlaid on top of the itemshowing product information 1607, e.g., product name, brief description,market retail price, etc. In another implementation, the WIVD mayprovide a plurality of overlay labels including view product details,luxury exclusive offers, where to buy, price match, view social rating,add to wish list, and/or the like.

In one implementation, a user may place two payment cards in the sceneso that the WIVD may capture the cards. For example, the WIVD maycapture the type of the card, e.g., Visa 1608 a and MasterCard 1608 b,and provide labels to show rebate/rewards policy associated with eachcard for such a transaction 1609 a-b. As such, the user may select topay with a card to gain the provided rebate/rewards.

In an alternative embodiment, as shown in FIG. 16B-16D, WIVD maycategorize information overlays into different layers, e.g., a merchantinformation layer to provide merchant information with regard to thecaptured items in the scene, a retail information layer to provideretail inventory information with regard to the captured items in thescene, a social information layer to provide ratings, reviews, commentsand/or other related social media feeds with regard to the captureditems in the scene, and/or the like. For example, when WIVD captures ascene that contains different objects, different layers of informationwith regard to different objects (e.g., a trademark logo, a physicalobject, a sales receipt, and/or the like) may be overlay on top of thecaptured scene.

With reference to FIG. 16B, when WIVD captured a trademark label in thescene, e.g., “Cartier” 1605, WIVD may provide a merchant informationlayer 1611 a with regard to the trademark “Cartier.” For example,virtual overlays may include a brief description of the merchant 1612 a,product collections of the merchant 1612 b, offers and discounts for themerchant 1612 c, and/or the like. As another example, WIVD may provide alist of retail stores featuring the captured object 1605, e.g., a listof local stores 1613, and online shopping sites 1614, and/or the like.

In another implementation, a consumer may slide the information layer1611 a to obtain another layer, e.g., retail information 1611 b, socialinformation 1611 c, item information 1611 d, and/or the like. Forexample, PVTC may capture a receipt and/or certificate in the scene, andprovide information including other Cartier products 1618, purchase itemdescription and price information 1615, retail store inventoryinformation (e.g., stores where the purchase item is available)including physical stores 1623 and online shopping sites 1625, and/orthe like.

In further embodiments, a consumer may tap on the provided virtual labelof a “Cartier” store, e.g., 1613, 1623, etc., and be directed to a storemap including inventory information, e.g., as shown in FIG. 5B. Forexample, a store map may provide distribution of product items, goods tofacilitate a consumer to quickly locate their desired products in-store.

With reference to FIG. 16C, a consumer may slide the virtual labeloverlay layer to view another layer of information labels, e.g., socialinformation 1611 c, item information 1611 d, and/or the like. In oneimplementation, a social layer 1611 c may provide virtual labelsindicating social reviews, ratings, comments, activities obtained fromsocial media platforms (e.g., Facebook, twitter, etc.) related tocaptured object in the visual scene. For example, when WIVD captures thetrademark logo “Cartier” in the scene, WIVD may provide virtual labelsof social comments related to the trademark “Cartier,” e.g., Facebookactivities 1621, tweets 1622, etc. In another implementation, when WIVDcaptures a sales receipt including product identifying information, WIVDmay provide virtual labels of social ratings/comments related to theproduct, e.g., tweets with the hash tag of the product name 1625,YouTube review videos that tag the product name 1626, and/or the like.In another implementation, the social information layer 1611 c mayfurther provide sample social comments, product reviews, ratings relatedto the related product information, e.g., Facebook comments, photopostings, etc. related to “Cartier” from the consumer's Facebook friends1627.

In another implementation, for additional captured objects 1630 in thescene (e.g., objects without textual contents, etc.), WIVD may perform apattern recognition to provide information of the recognized object1630. For example, the pattern recognition may be correlated with othercontexts within the scene to determine what the captured object is,e.g., the ring shaped object 1630 may be a piece of “Cartier” brandedjewelry as the “Cartier” logo is captured in the same scene. In oneimplementation, the WIVD may provide identified item information 1631 ina virtual label, and alternative item recognition information 1632,1633, 1634. For example, for the ring-shaped product 1630, the WIVD mayrecognize it as a “Cartier” branded bracelet 1631/1632, or ring shapedjewelry products of related brands 1633, 1634, and/or provide an optionto the consumer to see more similar products 1635.

FIG. 17 provide exemplary user interface diagrams illustrating in-storescanning scenarios within embodiments of the WIVD. In oneimplementation, WIVD may facilitate a user to engage a restricted-useaccount for the cost of eligible items. A restricted-use account may bea financial account having funds that can only be used for payment ofapproved products (e.g., prescription drugs, vaccine, food, etc.) and/orservices (e.g., healthcare treatment, physical examination, etc.).Examples of a restricted use account may comprise Flexible SavingsAccounts (FSA), one or more Health Savings Accounts (HSA), Line ofCredit (LOC), one or more health reimbursement accounts (HRA), one ormore government insurance programs (i.e., Medicare or Medicaid), variousprivate insurance—rules, various other restricted use favored paymentaccounts such as employment benefit plans or employee pharmacy benefitplans, and income deduction rules, and/or the like. In other examples,the restricted-use account may comprise a food voucher, a food stamp,and/or the like. Within implementations, the approval process of paymentwith a restricted use account may be administered by a third party, suchas, but not limited to FSA/HSA administrator, government unemploymentprogram administrator, and/or the like.

In one implementation, the WIVD may automatically identify goods thatare eligible for restricted-use accounts in a merchant store. Forexample, the WIVD may allow a user to place a camera enabled device at amerchant store (e.g., scanning), and view a camera scene with augmentedreality labels to indicate possible items eligible for a restricted-useaccount.

For example, in one implementation, when the user operate the cameraenabled device to obtain a view inside the merchant store 1750, the usermay also obtain augmented reality labels 1751 which identifies variousproducts/items on the shelf, and show one or more possible eligiblerestricted-use accounts 1752. For example, over the counter drugs may belabeled as eligible for “FSA, HSA, HRA,” etc., 1752; grocery productsmay be eligible for food stamp usage; and infant food may be eligiblefor a children nutrition benefit account, and/or the like.

FIGS. 18-19 provide exemplary user interface diagrams illustratingpost-purchase restricted-use account reimbursement scenarios withinembodiments of the WIVD. In one implementation, a user may operate acamera enabled device to capture a view of a receipt 1861, and obtainaugmented reality labels 1862 indicating items that are eligible forrestricted-use accounts. For example, the WIVD wallet component mayperform an instant OCR to extract item information and determine itemssuch as “Nyquil” is eligible for FSA/HSA/HRA 1864 usage, andgrocery/food items are eligible for food stamp 1862 usages. In oneimplementation, if the user taps on the displayed account, the WIVD maygenerate a virtual receipt and proceed to process reimbursement requestwith the selected restricted-use account.

In further implementation, if the WIVD does not automatically determinean item as eligible for any restricted-use accounts, e.g., an “Ester-C”supplement, a user may tap on the screen to select it, and may view alist of accounts 1863 to select a user desired reallocation account,e.g., any restricted-use account, loyalty account, and/or the like.

In further implementations, the WIVD may identify a payment account thathas been used to fulfill the transaction associated with the receipt,e.g., a Visa account 1866 a, and/or obtain account information from thebarcode printed on the receipt 1866 b. In one implementation, the WIVDmay match the “*1234” Visa account with any of user's enrolled accountin the wallet, and recommend the user to reimburse funds into anidentified “Visa *1234” account if such account is identified from thewallet 1865. In another implementation, the WIVD may prompt the user toselect other accounts for depositing reimbursement funds 1865.

Continuing on with FIG. 19, if the user has tapped on an account, e.g.,“FSA” at 1964 in FIG. 19 to reimburse an eligible item, the WIVD maygenerate a reimbursement request 1971, e.g., showing the user is goingto reimburse “Nyquil Lipcap” 1972 from the selected “FSA *123” account1973. In one implementation, the user may indicate an account fordepositing the reimbursement funds, e.g., the “Visa *1234” 1974 accountauto-identified from the receipt (e.g., at 1966 a-b in FIG. 19H), and/orselect other accounts.

In another implementation, if the user selects to tap on 1963 in FIG.19H to reimburse “Ester-C” 1975 for “FSA *123” account 1976, as the WIVDdoes not identify “Ester-C” as an eligible FSA item, the WIVD maygenerate a reimbursement request but with a notification to the userthat such reimbursement is subject to FSA review and may not be approved1978.

FIG. 20A provides an exemplary logic flow diagram illustrating aspectsof WIVD overlay label generation within embodiments of the WIVD. Withinimplementations, a user may instantiate a WIVD component on acamera-enabled mobile device (e.g., an Apple iPhone, an Android, aBlackBerry, and/or the like) 2002, and place the camera to capture areality scene (e.g., see 913 in FIG. 9A). In one implementation, theuser may point to an object (e.g., a card, a purchase item, etc.) in thereality scene, or touch on the object image as shown on the screen 2004(e.g., see 912 in FIG. 9A).

In one implementation, upon receiving user finger indication, the WIVDmay obtain an image of the scene (or the user finger pointed portion)2006, e.g., grabbing a video frame, etc. In one implementation, the WIVDmay detect fingertip position within the video frame, and determine anobject around the fingertip position for recognition 2007. The WIVD maythen perform OCR and/or pattern recognition on the obtained image (e.g.,around the fingertip position) 2008 to determine a type of the object inthe image 2010. For example, in one implementation, the WIVD may startfrom the finger point and scan outwardly to perform edge detection so asto determine a contour of the object. The WIVD may then perform OCRwithin the determined contour to determine a type of the object, e.g.,whether there is card number presented 2011, whether there is a barcodeor QR code presented 2012, whether there is a human face 2013, and/orthe like.

In one implementation, if there is a payment card in the reality scene2011, the WIVD may determine a type of the card 2015 and the card number2017. For example, the WIVD may determine whether the card is a paymentcard (e.g., a credit card, a debit card, etc.), a membership card (e.g.,a metro card, a store points card, a library card, etc.), a personal ID(e.g., a driver's license, etc.), an insurance card, and/or the like,based on the obtained textual content via OCR from the card. In oneimplementation, the WIVD may query the user wallet for the cardinformation 2018 to determine whether the card matches with any enrolleduser account, and may generate and present overlay labels 2030 based onthe type of the card (e.g., see overlay labels 927 a-e for an identifiedVisa credit card 911 in FIG. 9C, overlay labels 1112 a-e for anidentified metro card and overlay labels 1114 a-d for an identified DMVlicense 1113 in FIG. 11, overlay labels 1218 a-e for an identifiedlibrary card 1217 and overlay labels 1221 a-1221 e for an identifiedrestaurant membership card 1220 in FIG. 12, overlay labels 1325 a-e foran identified insurance card 1324 in FIG. 13, and/or the like). In oneimplementation, the WIVD may optionally capture mixed gestures withinthe captured reality scene 2029, e.g., consumer motion gestures, verbalgestures by articulating a command, etc. (see FIGS. 21-30).

In another implementation, if there is a barcode and/or QR code detectedwithin the reality scene 2012, the WIVD may extract information from thebarcode/QR code 2022, and determine a type of the object 2023, e.g., thebarcode information may indicate whether the object comprises a purchaseitem, a bill, an invoice, and/or the like. In one implementation, theWIVD may retrieve merchant information when the object comprises apurchase item, and/or biller information when the object comprises abill 2028, and generate overlay labels accordingly, e.g., see overlaylabels 1327 a-e for an identified invoice 1326 in FIG. 13, overlaylabels 1433 a-g for an identified purchase item/product 1431 in FIG. 14,and/or the like.

In another implementation, if there is a human face detected from thereality scene 2013, the WIVD may perform facial recognition to identifywhether the presented human face matches with an existing contact 2024.In one implementation, the WIVD may retrieve contact information if thecontact is located from a contact list 2026, and/or add a new contact2027 per user selection if the human face does not match with anyexisting contact record. The WIVD may then generate and present overlaylabels for the detected human face, e.g., see overlay labels 1008 a-ffor an identified face 1002 in FIG. 10, etc.

Upon user selection of the overlay labels, the WIVD may proceed totransfer funds to an identified card, identified contact, and/or thelike. The WIVD may send financial transaction requests to an issuernetwork for processing, which may be performed in a similar manner as inFIGS. 41A-43B.

FIG. 20B provides an exemplary logic flow diagram illustrating automaticlayer injection within alternative embodiments of the WIVD. In oneimplementation, WIVD may inject a layer of virtual information labels(e.g., merchant information, retail information, social information,item information, etc.) to the captured reality scene based onintelligent mining of consumer's activities, e.g., GPS location,browsing history, search terms, and/or the like.

In one implementation, a consumer may engage in user interestsindicative activities (e.g., web searches, wallet check-in, etc) 2031.For example, as shown in FIG. 1C, a web search based on key terms“affordable wide-angle lens” showed user interests in price comparison;wallet check event at a local retail store indicates the user'sinterests of information of the retail store. Within implementations,the WIVD may parse the received activity record for key terms 2032, andgenerate a record with a timestamp of the user activity key terms 2034.In one implementation, the WIVD may store the generated record at alocal storage element at the user mobile device, or alternatively storethe generated user activity record at a remote WIVD server.

In one implementation, when a consumer uses a mobile device to capture areality scene (e.g., 2003/2004), WIVD may determine a type of the objectin the captured visual scene 2036, e.g., an item, card, barcode,receipt, etc. In one implementation, the WIVD may retrieve stored userinterest record 2038, and obtain information in the stored record. Ifthe user interests record comprise a search term 2041, WIVD maycorrelate the search term with product information 2044 (e.g., includeprice comparison information if the user is interested in finding thelowest price of a product, etc.), and generate an information layer forthe virtual overlay 2049. In one implementation, the WIVD may optionallycapture mixed gestures within the captured reality scene 2029, e.g.,consumer motion gestures, verbal gestures by articulating a command,etc. (see FIGS. 21-30).

In another implementation, if the user interests record comprise areal-time wallet check-in information 2042 of the consumer checking inat a retail store, the WIVD may insert a retailer layer of virtuallabels 2046 to the consumer device. In another implementation, the WIVDmay parse the user activity record for user interests indicators 2048for other types of user activity data, e.g., browsing history, recentpurchases, and/or the like, and determine an information layer ofvirtual overlay 2047. The consumer may obtain an automaticallyrecommended injected layer of virtual label overlays 2050, and mayswitch to another layer of information labels by sliding on the layer,e.g., see 1611 a-d in FIGS. 16B-16C.

FIG. 20C provides an exemplary logic flow illustrating aspects offingertip motion detection within embodiments of the WIVD. Withinembodiments, WIVD may employ motion detection components to detectfingertip movement within a live video reality scene. Such motiondetection component may be comprised of, but not limited to FAST CornerDetection for iPhone, Lucas-Kanade (LK) Optical Flow for iPhone, and/orthe like. In other implementations, classes defined under iOS developerlibrary such as AVMutableCompisition, UIImagePickerController, etc., maybe used to develop video content control components.

As shown in FIG. 20C, upon obtaining video capturing at 2006, the WIVDmay obtain two consecutive video frame grabs 2071 (e.g., every 100 ms,etc.). The WIVD may convert the video frames into grayscale images 2073for image analysis, e.g., via Adobe Photoshop, and/or the like. In oneimplementation, the WIVD may compare the two consecutive video frames2075 (e.g., via histogram comparison, etc.), and determine thedifference region of the two frames 2078. In one implementation, theWIVD may highlight the different region of the frames, which mayindicate a “finger” or “pointer” shaped object has moved into the videoscene to point to a desired object.

In one implementation, the WIVD may determine whether the differenceregion has a “pointer” shape 2082, e.g., a fingertip, a pencil, etc. Ifnot, e.g., the difference region may be noise caused by camera movement,etc., the WIVD may determine whether the time lapse has exceeded athreshold. For example, if the WIVD has been capturing the video scenefor more than 10 seconds and detects no “pointer” shapes or “fingertip,”WIVD may proceed to OCR/pattern recognition of the entire image 2087.Otherwise, the WIVD may re-generate video frames at 2071.

In one implementation, if a “fingertip” or a “pointer” is detected at2082, the WIVD may determine a center point of the fingertip, e.g., bytaking a middle point of the X and Y coordinates of the “fingertip.” TheWIVD may perform edge detection starting from the determined centerpoint to determine the boundary of a consumer pointed object 2085. Forexample, the WIVD may employ edge detection components such as, but notlimited to Adobe Photoshop edge detection, Java edge detection package,and/or the like. Within implementations, upon WIVD has definedboundaries of an object, the WIVD may perform OCR and patternrecognition of the defined area 2088 to determine a type of the object.

FIG. 20D provides an exemplary logic flow illustrating aspects ofgeneration of a virtual label (e.g., 2030, 2049, etc.) withinembodiments of the WIVD. In one implementation, upon loading relevantinformation and mixed gestured within the video reality scene withregard to a detected object (e.g., a credit card, a barcode, a QR code,a product item, etc.) at 2029 in FIG. 20A, or 2047 in FIG. 20B, the WIVDmay load live video of the reality scene 2052. If the camera is stable2053, the WIVD may obtain a still image 2054, e.g., by capturing a videoframe from the live video, etc. In one implementation, the image may beobtained at 2006 in FIG. 20A.

Within implementations, WIVD may receive information related to thedetermined object 2057 (e.g., 2018, 2027, 2028 in FIG. 20A), and filterthe received information based on consumer configurations 2058 (e.g.,the consumer may have elected to display only selected informationlabels, see FIGS. 1C-1D). For each virtual label 2059, the WIVD maydetermine, if there is more information or more label to generate 2060,the WIVD may retrieve a virtual label template 2061 based on theinformation type (e.g., a social rating label may have a social feedstemplate; a product information label may have a different template,etc.), and populate relevant information into the label template 2062.In one implementation, the WIVD may determine a position of the virtuallabel (e.g., the X-Y coordinate values, etc.) 2063, e.g., the virtuallabel may be positioned close to the object, and inject the generatedvirtual label overlaying the live video at the position 2065.

For example, a data structure of a generated virtual label,substantially in the form of XML-formatted data, is provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <virtual_label>   <label_id>4NFU4RG94 </label_id>   <timestamp>2014-02-22 15:22:41</timestamp>  <user_id>john.q.public@gmail.com </user_id>   <frame>      <x-range>1024 </x-range>      <y-range> 768 </y-range>   ...   </frame>  <object>      <type> barcode </type>      <position>         <x_start>102 <x_start>         <x_end> 743</x_end>         <y_start> 29</y_start>         <y_end> 145 </y_end>      </position>      ...  </object>   <information>      <product_name> “McKey Chocolate Bar”</product_name>      <product_brand> McKey </product_brand>     <retail_price> 5.99 </retail_price>      <engageability> enabled</engageability>      <link> www.amazon.com/product_item/     Mckeychoco/1234 </link>      ...   </information>   <orientation>horizontal </orientation>   <format>      <template_id> Product001</template_id>      <label_type> oval callout </label_type>      <font>ariel </font>      <font_size> 12 pt </font_size>      <font_color>Orange </font_color>      <overlay_type> on top </overlay_type>     <transparency> 50% </transparency>      <background_color> 255 2550 </background_color>      <label_size>         <shape> oval </shape>        <long_axis> 60 </long_axis>         <short_axis> 40</short_axis>         <object_offset> 30 </object_offset>         ...     </label_size>      ...   </format>   <injection_position>     <X_coordinate> 232 </X_coordinate>      <Y_coordiante> 80</Y_coordinate>   </injection_position>   ... </virtual_label>

In the above example, the generated virtual label data structureincludes fields such as size of the video frame, the captured object(e.g., the object is a barcode, etc.), information to be included in thevirtual label, orientation of the label, format of the virtual label(e.g., template, font, background, transparency, etc.), injectionposition of the label, and/or the like. In one implementation, thevirtual label may contain an informational link, e.g., for the productinformation in the above example, an Amazon link may be provided, etc.In one implementation, the injection position may be determined based onthe position of the object (e.g., X, Y coordinates of the area on theimage, determined by a barcode detector, etc.).

FIG. 21 shows a schematic block diagram illustrating some embodiments ofthe WIVD. In some implementations, a user 2101 may wish to get moreinformation about an item, compare an item to similar items, purchase anitem, pay a bill, and/or the like. WIVD 2102 may allow the user toprovide instructions to do so using vocal commands combined withphysical gestures. WIVD allows for composite actions composed ofmultiple disparate inputs, actions and gestures (e.g., real world fingerdetection, touch screen gestures, voice/audio commands, video objectdetection, etc.) as a trigger to perform a WIVD action (e.g., engage ina transaction, select a user desired item, engage in various consumeractivities, and/or the like). In some implementations, the user mayinitiate an action by saying a command and making a gesture with theuser's device, which may initiate a transaction, may provide informationabout the item, and/or the like. In some implementations, the user'sdevice may be a mobile computing device, such as a tablet, mobile phone,portable game system, and/or the like. In other implementations, theuser's device may be a payment device (e.g. a debit card, credit card,smart card, prepaid card, gift card, and/or the like), a pointer device(e.g. a stylus and/or the like), and/or a like device.

FIGS. 22a-b show data flow diagrams illustrating processing gesture andvocal commands in some embodiments of the WIVD. In some implementations,the user 2201 may initiate an action by providing both a physicalgesture 2202 and a vocal command 2203 to an electronic device 2206. Insome implementations, the user may use the electronic device itself inthe gesture; in other implementations, the user may use another device(such as a payment device), and may capture the gesture via a camera onthe electronic device 2207, or an external camera 2204 separate from theelectronic device 2205. In some implementations, the camera may record avideo of the device; in other implementations, the camera may take aburst of photos. In some implementations, the recording may begin whenthe user presses a button on the electronic device indicating that theuser would like to initiate an action; in other implementations, therecording may begin as soon as the user enters a command application andbegins to speak. The recording may end as soon as the user stopsspeaking, or as soon as the user presses a button to end the collectionof video or image data. The electronic device may then send a commandmessage 2208 to the WIVD database, which may include the gesture andvocal command obtained from the user.

In some implementations, an exemplary XML-encoded command message 2208may take a form similar to the following:

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 ‘,£JvD_8‰6″ÎZü<vÃ√b∫‰^(a)N™Ñwg®x$ôV§lQ- j{dot over ( )}ãTlMCF)Σ:ÅxÀÜòÒÎΩk 

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 õ÷Σqt {circumflex over ( )}jÃ 

 6{circumflex over ( )}ƒ4.o óöÀÎ Zuc‘t°{grave over( )}Tfi7ÂV/G~¶Ô[g©{acute over ( )}Fá^(a)Í.Ùo ^(a)iμ§/”∫AÅ{grave over( )} ,{hacek over ( )}^(a)Ò™/ë£wç        </content>     </command_audio>   </command_params>   </user_params>     <user_id>123456789</user_id>      <wallet_id>9988776655</wallet_id>     <device_id>j3h25j45gh647hj</device_id>     <date_of_request>2015-12-31</date_of_request>   </user_params></command_message>

In some implementations, the electronic device may reduce the size ofthe vocal file by cropping the audio file to when the user begins andends the vocal command. In some implementations, the WIVD may processthe gesture and audio data 2210 in order to determine the type ofgesture performed, as well as the words spoken by the user. In someimplementations, a composite gesture generated from the processing ofthe gesture and audio data may be embodied in an XML-encoded datastructure similar to the following:

  <composite_gesture>     <user_params>      <user_id>123456789</user_id>      <wallet_id>9988776655</wallet_id>      <device_id>j3h25j45gh647hj</device_id>     </user_params>    <object_params></object_params>     <finger_params>      <finger_image>     <name> gesture1 </name>     <format> JPEG</format>     <compression> JPEG compression </compression>     <size>123456 bytes </size>     <x-Resolution> 72.0 </x-Resolution>    <y-Resolution> 72.0 </y-Resolution>     <date_time> 2014:8:1116:45:32 </date_time>     color>greyscale</color>     ...     <content>ÿØÿà JFIF H H ÿâ{acute over ( )}ICC_PROFILE  ¤appl mntrRGB XYZ Ü$ acspAPPL öÖÓ-appl               desc P bdscm {acute over ( )} {hacekover (S)}cprt ------------@ $wtpt ------------d  rXYZ ------------x gXYZ------------ 

 bXYZ ------------ rTRC ------------{acute over ( )} aarg A  vcgt ...    </content>   ...   </finger_image>   <x>1.0, 2.0, 3.1, 4.0, 5.2,6.1, 7.1, 8.2, 9.2, 10.1</x>   <y>1.5, 2.3, 3.3, 4.1, 5.2, 6.3, 7.2,8.4, 9.1, 10.0</y>     </finger_params>    <touch_params></touch_params>     <qr_object_params>   <qr_image>    <name> qrl </name>     <format> JPEG </format>     <compression>JPEG compression </compression>     <size> 123456 bytes </size>    <x-Resolution> 72.0 </x-Resolution>     <y-Resolution> 72.0</y-Resolution>     <date_time> 2014:8:11 16:45:32 </date_time>     ...    <content> ÿØÿà JFIF H H ÿâ{acute over ( )}ICC_PROFILE ¤appl mntrRGBXYZ Ü $ acspAPPL öÖÓ-appl             desc P bdscm {acute over( )} {hacek over (S)}cprt ------------@  $wtpt ------------d  rXYZ------------x gXYZ ------------ 

 bXYZ ------------ rTRC ------------{acute over ( )} aarg  A  vcgt ...    </content>   ... </qr_image> <QR_content>”John Doe,1234567891011121, 2014:8:11, 098”</QR_content>     </qr_object_params>    <voice_params></voice_params>   </composite_gesture>

In some implementations, fields in the composite gesture data structuremay be left blank depending on whether the particular gesture type(e.g., finger gesture, object gesture, and/or the like) has been made.The WIVD may then match 2211 the gesture and the words to the variouspossible gesture types stored in the WIVD database. In someimplementations, the WIVD may query the database for particulardisparate gestures in a manner similar to the following:

<?php   ...     $fingergesturex = “3.1, 4.0, 5.2, 6.1, 7.1, 8.2, 9.2”;    $fingergesturey = “3.3, 4.1, 5.2, 6.3, 7.2, 8.4, 9.1”;    $fingerresult = mysql_query(“SELECT finger_gesture_type FROMfinger_gesture WHERE gesture_x=‘%s’ AND gesture_y=‘%s’”,mysql_real_escape_string($fingergesturex),  mysql_real_escape_string($fingergesturey));     $objectgesturex =“6.1, 7.0, 8.2, 9.1, 10.1, 11.2, 12.2”;     $objectgesturey = “6.3, 7.1,8.2, 9.3, 10.2, 11.4, 12.1”;     $objectresult = mysql_query(“SELECTobject_gesture_type FROM object_gesture WHERE object_gesture_x=‘%s’ ANDobject_gesture_y=‘%s’”,  mysql_real_escape_string($objectgesturex),  mysql_real_escape_string($objectgesturey));     $voicecommand = “Paytotal with this device”;     $voiceresult = mysql_query(“SELECT vc_nameFROM vocal_command WHERE %s IN vc_command_list”,mysql_real_escape_string($voicecommand)); >

In some implementations, the result of each query in the above examplemay be used to search for the composite gesture in the Multi-DisparateGesture Action (MDGA) table of the database. For example, if$fingerresult is “tap check,” $objectresult is “swipe,” and $voiceresultis “pay total of check with this payment device,” WIVD may search theMDGA table using these three results to narrow down the precisecomposite action that has been performed. If a match is found, the WIVDmay request confirmation that the right action was found, and then mayperform the action 2212 using the user's account. In someimplementations, the WIVD may access the user's financial informationand account 2213 in order to perform the action. In someimplementations, WIVD may update a gesture table 2214 in the WIVDdatabase 2215 to refine models for usable gestures based on the user'sinput, to add new gestures the user has invented, and/or the like. Insome implementations, an update 2214 for a finger gesture may beperformed via a PHP/MySQL command similar to the following:

<?php   ...     $fingergesturex = “3.1, 4.0, 5.2, 6.1, 7.1, 8.2, 9.2”;    $fingergesturey = “3.3, 4.1, 5.2, 6.3, 7.2, 8.4, 9.1”;  $fingerresult = mysql_query(“UPDATE gesture_x, gesture_y FROMfinger_gesture WHERE gesture_x=‘%s’ AND gesture_y=‘%s’”,mysql_real_escape_    string($fingergesturex),  mysql_real_escape_string($fingergesturey)); >

After successfully updating the table 2216, the WIVD may send the userto a confirmation page 2217 (or may provide an augmented reality (AR)overlay to the user) which may indicate that the action was successfullyperformed. In some implementations, the AR overlay may be provided tothe user through use of smart glasses, contacts, and/or a like device(e.g. Google Glasses).

As shown in FIG. 22b , in some implementations, the electronic device2206 may process the audio and gesture data itself 2218, and may alsohave a library of possible gestures that it may match 2219 with theprocessed audio and gesture data to. The electronic device may then sendin the command message 2220 the actions to be performed, rather than theraw gesture or audio data. In some implementations, the XML-encodedcommand message 2220 may take a form similar to the following:

      POST /command_message.php HTTP/1.1       Host:www.DCMCPproccess.com       Content-Type: Application/XML      Content-Length: 788       <?XML version = “1.0” encoding =“UTF-8”?>       <command_message>        <timestamp>2016-01-0112:30:00</timestamp>        <command_params>         <gesture_video>swipe_over_receipt          </gesture_video>         <command_audio>”Pay   total with   activewallet.”</command_audio>        </command_params>        </user_params>         <user_id>123456789</user_id>         <wallet_id>9988776655</wallet_id>         <device_id>j3h25j45gh647hj</device_id>         <date_of_request>2015-12-31</date_of_request>       </user_params>       </command_message>

The WIVD may then perform the action specified 2221, accessing anyinformation necessary to conduct the action 2222, and may send aconfirmation page or AR overlay to the user 2223. In someimplementations, the XML-encoded data structure for the AR overlay maytake a form similar to the following:

<?XML version = “1.0” encoding = “UTF-8”?> <virtual_label>   <label_id>4NFU4RG94 </label_id>   <timestamp>2014-02-22 15:22:41</timestamp>  <user_id>123456789</user_id>   <frame>      <x-range> 1024 </x-range>     <y-range> 768 </y-range>     ...   </frame>   <object>      <type>confirmation </type>      <position>       <x_start> 102 <x_start>      <x_end> 743</x_end>       <y_start> 29 </y_start>       <y_end>145 </y_end>     </position>     ...   </object>   <information>    <text> “You have successfully paid the total using your     activewallet.” </text>      ...   </information>   <orientation> horizontal</orientation>   <format>     <template_id> Confirm001 </template_id>    <label_type> oval callout </label_type>     <font> ariel </font>    <font_size> 12 pt </font_size>     <font_color> Orange </font_color>    <overlay_type> on top </overlay_type>     <transparency> 50%</transparency>     <background_color> 255 255 0 </background_color>    <label_size>       <shape> oval </shape>       <long_axis> 60</long_axis>       <short_axis> 40 </short_axis>       <object_offset>30 </object_offset>        ...     </label_size>       ...   </format>  <injection_position>      <X_coordinate> 232 </X_coordinate>     <Y_coordiante> 80 </Y_coordinate>   </injection_position>   ...</virtual_label>

FIGS. 23a-23c show logic flow diagrams illustrating processing gestureand vocal commands in some embodiments of the WIVD. In someimplementations, the user 201 may perform a gesture and a vocal command2301 equating to an action to be performed by WIVD. The user's device206 may capture the gesture 2302 via a set of images or a full videorecorded by an on-board camera, or via an external camera-enabled deviceconnected to the user's device, and may capture the vocal command via anon-board microphone, or via an external microphone connected to theuser's device. The device may determine when both the gesture and thevocal command starts and ends 2303 based on when movement in the videoor images starts and ends, based on when the user's voice starts andends the vocal command, when the user presses a button in an actioninterface on the device, and/or the like. In some implementations, theuser's device may then use the start and end points determined in orderto package the gesture and voice data 2304, while keeping the packageddata a reasonable size. For example, in some implementations, the user'sdevice may eliminate some accelerometer or gyroscope data, may eliminateimages or crop the video of the gesture, based on the start and endpoints determined for the gesture. The user's device may also crop theaudio file of the vocal command, based on the start and end points forthe vocal command. This may be performed in order to reduce the size ofthe data and/or to better isolate the gesture or the vocal command. Insome implementations, the user's device may package the data withoutreducing it based on start and end points.

In some implementations, WIVD may receive 2305 the data from the user'sdevice, which may include accelerometer and/or gyroscope data pertainingto the gesture, a video and/or images of the gesture, an audio file ofthe vocal command, and/or the like. In some implementations, WIVD maydetermine what sort of data was sent by the user's device in order todetermine how to process it. For example, if the user's device providesaccelerometer and/or gyroscope data 2306, WIVD may determine the gestureperformed by matching the accelerometer and/or gyroscope data pointswith pre-determined mathematical gesture models 2309. For example, if aparticular gesture would generate accelerometer and/or gyroscope datathat would fit a linear gesture model, WIVD will determine whether thereceived accelerometer and/or gyroscope data matches a linear model.

If the user's device provides a video and/or images of the gesture 2307,WIVD may use an image processing component in order to process the videoand/or images 2310 and determine what the gesture is. In someimplementations, if a video is provided, the video may also be used todetermine the vocal command provided by the user. As shown in FIG. 23c ,in one example implementation, the image processing component may scanthe images and/or the video 2326 for a Quick Response (QR) code. If theQR code is found 2327, then the image processing component may scan therest of the images and/or the video for the same QR code, and maygenerate data points for the gesture based on the movement of the QRcode 2328. These gesture data points may then be compared withpre-determined gesture models 2329 in order to determine which gesturewas made by the item with the QR code. In some implementations, ifmultiple QR codes are found in the image, the image processing componentmay ask the user to specify which code corresponds to the user'sreceipt, payment device, and/or other items which may possess the QRcode. In some implementations, the image processing component may,instead of prompting the user to choose which QR code to track, generategesture data points for all QR codes found, and may choose which is thecorrect code to track based on how each QR code moves (e.g., which onemoves at all, which one moves the most, and/or the like). In someimplementations, if the image processing component does not find a QRcode, the image processing component may scan the images and/or the videfor a payment device 2330, such as a credit card, debit card,transportation card (e.g., a New York City Metro Card), gift card,and/or the like. If a payment device can be found 2331, the imageprocessing component may scan 2332 the rest of the images and/or therest of the video for the same payment device, and may determine gesturedata points based on the movement of the payment device. If multiplepayment devices are found, either the user may be prompted to choosewhich device is relevant to the user's gesture, or the image processingcomponent, similar to the QR code discussed above, may determine itselfwhich payment device should be tracked for the gesture. If no paymentdevice can be found, then the image processing component may insteadscan the images and/or the video for a hand 2333, and may determinegesture data points based on its movement. If multiple hands aredetected, the image processing component may handle them similarly tohow it may handle QR codes or payment devices. The image processingcomponent may match the gesture data points generated from any of thesetracked objects to one of the pre-determined gesture models in the WIVDdatabase in order to determine the gesture made.

If the user's device provides an audio file 2308, then WIVD maydetermine the vocal command given using an audio analytics component2311. In some implementations, the audio analytics component may processthe audio file and produce a text translation of the vocal command. Asdiscussed above, in some implementations, the audio analytics componentmay also use a video, if provided, as input to produce a texttranslation of the user's vocal command.

As shown in FIG. 23b , WIVD may, after determining the gesture and vocalcommand made, query an action table of a WIVD database 2312 to determinewhich of the actions matches the provided gesture and vocal commandcombination. If a matching action is not found 2313, then WIVD mayprompt the user to retry the vocal command and the gesture theyoriginally performed 2314. If a matching action is found, then WIVD maydetermine what type of action is requested from the user. If the actionis a multi-party payment-related action 2315 (i.e., between more thanone person and/or entity), WIVD may retrieve the user's accountinformation 2316, as well as the account information of the merchant,other user, and/or other like entity involved in the transaction. WIVDmay then use the account information to perform the transaction betweenthe two parties 2317, which may include using the account IDs stored ineach entity's account to contact their payment issuer in order totransfer funds, and/or the like. For example, if one user istransferring funds to another person (e.g., the first user owes thesecond person money, and/or the like), WIVD may use the accountinformation of the first user, along with information from the secondperson, to initiate a transfer transaction between the two entities.

If the action is a single-party payment-related action 2318 (i.e.,concerning one person and/or entity transferring funds tohis/her/itself), WIVD may retrieve the account information of the oneuser 2319, and may use it to access the relevant financial and/or otheraccounts associated in the transaction. For example, if one user istransferring funds from a bank account to a refillable gift card ownedby the same user, then WIVD would access the user's account in order toobtain information about both the bank account and the gift card, andwould use the information to transfer funds from the bank account to thegift card 2320.

In either the multi-party or the single-party action, WIVD may update2321 the data of the affected accounts (including: saving a record ofthe transaction, which may include to whom the money was given to, thedate and time of the transaction, the size of the transaction, and/orthe like), and may send a confirmation of this update 2322 to the user.

If the action is related to obtaining information about a product and/orservice 2323, WIVD may send a request 2324 to the relevant merchantdatabase(s) in order to get information about the product and/or servicethe user would like to know more about. WIVD may provide any informationobtained from the merchant to the user 2325. In some implementations,WIVD may provide the information via an AR overlay, or via aninformation page or pop-up which displays all the retrieved information.

FIG. 24a shows a data flow diagram illustrating checking into a store ora venue in some embodiments of the WIVD. In some implementations, theuser 2401 may scan a QR code 2402 using their electronic device 2403 inorder to check-in to a store. The electronic device may send check-inmessage 2404 to WIVD server 2405, which may allow WIVD to storeinformation 2406 about the user based on their active e-wallet profile.In some implementations, an exemplary XML-encoded check-in message 2404may take a form similar to the following:

POST /checkin_message.php HTTP/1.1 Host: www.DCMCPproccess.comContent-Type: Application/XML Content-Length: 788 <?XML version = “1.0”encoding= “UTF-8”?> <checkin_message>  <timestamp>2016-01-0112:30:00</timestamp>   <checkin_params>     <merchant_params>      <merchant_id>1122334455</merchant_id>      <merchant_salesrep>1357911</merchant_salesrep>    </merchant_params>     <user_params>       <user_id>123456789</user_id>       <wallet_id>9988776655</wallet_id>        <GPS>40.71872,−73.98905,100</GPS>        <device_id>j3h25j45gh647hj</device_id>       <date_of_request>2015-12-31</date_of_request>    </user_params>   <qr_object_params>    <qr_image>          <name> qr5 </name>         <format> JPEG </format>          <compression> JPEG compression</compression>          <size> 123456 bytes </size>         <x-Resolution> 72.0 </x-Resolution>          <y-Resolution>72.0 </y-Resolution>          <date_time> 2014:8:11 16:45:32</date_time>          ...          <content> ÿØÿà JFIF H H ÿâ{acute over( )}ICC_PROFILE  ¤appl mntrRGB XYZ Ü    $ acspAPPLöÖÓ-appl               desc P    bdscm {acute over ( )} {hacek over(S)}cprt -----------@ $wtpt    ------------d  rXYZ ------------x gXYZ   ------------ 

 bXYZ ------------ rTRC    ------------{acute over ( )} aarg A  vcgt ...         </content>       ...    </qr_image>     <QR_content>”URL:http://www.examplestore.commailto:rep@examplestore.com geo:52.45170,4.81118mailto:salesrep@examplestore.com&subject=Check-in!body=The%20user%20with%id%20123456789%20has%20just%20checked%20in!”</QR_content>   </qr_object_params>  </checkin_params> </checkin_message>

In some implementations, the user, while shopping through the store, mayalso scan 2407 items with the user's electronic device, in order toobtain more information about them, in order to add them to the user'scart, and/or the like. In such implementations, the user's electronicdevice may send a scanned item message 2408 to the WIVD server. In someimplementations, an exemplary XML-encoded scanned item message 2408 maytake a form similar to the following:

POST /scanned_item_message.php HTTP/1.1 Host: www.DCMCPproccess.comContent-Type: Application/XML Content-Length: 788 <?XML version = “1.0”encoding = “UTF-8”?> <scanned_item_message>  <timestamp>2016-01-0112:30:00</timestamp>   <scanned_item_params>     <item_params>     <item_id>1122334455</item_id>      <item_aisle>12</item_aisle>     <item_stack>4</item_stack>      <item_shelf>2</item_shelf>     <item_attributes>“orange juice”, “calcium”,“Tropicana”</item_  attributes>      <item_price>5</item_price>     <item_product_code>1A2B3C4D56</item_product_code>     <item_manufacturer>Tropicana Manufacturing Company,Inc</item_manufacturer>    <qr_image>          <name> qr5 </name>         <format> JPEG </format>          <compression> JPEG compression</compression>          <size> 123456 bytes </size>         <x-Resolution> 72.0 </x-Resolution>          <y-Resolution>72.0 </y-Resolution>          <date_time> 2014:8:11 16:45:32</date_time>          ...          <content>ÿØÿà JFIF H H ÿâ{acute over( )}ICC_PROFILE ¤appl mntrRGB XYZ Ü    $ acspAPPLöÖÓ-appl               desc P    bdscm {acute over ( )} Scprt------------@ $wtpt    ------------d  rXYZ ------------x gXYZ   ------------ 

 bXYZ ------------ rTRC    ------------{acute over ( )} aarg A  vcgt ...         </content>       ...    </qr_image>     <QR_content>”URL:http://www.examplestore.commailto:rep@examplestore.com geo:52.45170,4.81118mailto:salesrep@examplestore.com&subject=Scan!body=The%20user%20with%id%20123456789%20has%20just%20scanned%20product%201122334455!”</QR_content>   </item_params>    <user_params>        <user_id>123456789</user_id>       <wallet_id>9988776655</wallet_id>        <GPS>40.71872,−73.98905,100</GPS>        <device_id>j3h25j45gh647hj</device_id>       <date_of_request>2015-12-31</date_of_request>    </user_params> </scanned_item_params> </scanned_item_message>

In some implementations, WIVD may then determine the location 2409 ofthe user based on the location of the scanned item, and may send anotification 2410 to a sale's representative 2411 indicating that a userhas checked into the store and is browsing items in the store. In someimplementations, an exemplary XML-encoded notification message 2410 maycomprise of the scanned item message of scanned item message 2408.

The sale's representative may use the information in the notificationmessage to determine products and/or services to recommend 2412 to theuser, based on the user's profile, location in the store, items scanned,and/or the like. Once the sale's representative has chosen at least oneproduct and/or service to suggest, it may send the suggestion 2413 tothe WIVD server. In some implementations, an exemplary XML-encodedsuggestion 2413 may take a form similar to the following:

POST /recommendation_message.php HTTP/1.1 Host: www.DCMCPproccess.comContent-Type: Application/XML Content-Length: 788 <?XML version = “1.0”encoding = “UTF-8”?> <recommendation_message>  <timestamp>2016-01-0112:30:00</timestamp>   <recommendation_params>    <item_params>    <item_id>1122334455</item_id>     <item_aisle>12</item_aisle>    <item_stack>4</item_stack>     <item_shelf>1</item_shelf>    <item_attributes>“orange juice”, “omega-3”,“Tropicana”</item_attributes>     <item_price>5</item_price>    <item_product_code>0P9K8U7H76</item_product_code>    <item_manufacturer>Tropicana Manufacturing Company,Inc</item_manufacturer>    <qr_image>         <name> qr12 </name>        <format> JPEG </format>         <compression> JPEG compression</compression>         <size> 123456 bytes </size>        <x-Resolution> 72.0 </x-Resolution>         <y-Resolution> 72.0</y-Resolution>         <date_time> 2014:8:11 16:45:32 </date_time>        ...         <content> ÿØÿà JFIF H H ÿâ{acute over( )}ICC_PROFILE ¤appl mntrRGB XYZ Ü    $ acspAPPLöÖÓ-appl              desc P    bdscm {acute over ( )} Scprt------------@ $wtpt    ------------d  rXYZ ------------x gXYZ   ------------ 

 bXYZ ------------ rTRC    ------------{acute over ( )} aarg  A  vcgt...         </content>      ...    </qr_image>     <QR_content>”URL:http://www.examplestore.commailto:rep@examplestore.com geo:52.45170,4.81118mailto:salesrep@examplestore.com&subject=Scan!body=The%20user%20with%id%20123456789%20has%20just%20scanned%20product%1122334455!”</QR_content>   </item_params>    <user_params>        <user_id>123456789</user_id>       <wallet_id>9988776655</wallet_id>        <GPS>40.71872,−73.98905,100</GPS>        <device_id>j3h25j45gh647hj</device_id>       <date_of_request>2015-12-31</date_of_request>    </user_params> </recommendation_params> </recommendation_message>

In some implementations, WIVD may also use the user's profileinformation, location, scanned items, and/or the like to determine itsown products and/or services to recommend 2414 to the user. In someimplementations, WIVD may determine where in the store any suggestedproduct and/or service is 2415, based on aisle information in the itemdata structure, and may generate a map from the user's location to thelocation of the suggested product and/or service. In someimplementations, the map overlays a colored path on a store map from theuser's location to the suggested product and/or service. WIVD may send2416 this map, along with the suggested product and/or item, to theuser, who may use it to find the suggested item, and add the suggesteditem to its shopping cart 2440 if the user would like to purchase it.

FIGS. 24b-c show data flow diagrams illustrating accessing a virtualstore in some embodiments of the WIVD. In some implementations, a user2417 may have a camera (either within an electronic device 2420 or anexternal camera 2419, such as an Xbox Kinect device) take a picture 2418of the user. The user may also choose to provide various userattributes, such as the user's clothing size, the item(s) the userwishes to search for, and/or like information. The electronic device2420 may also obtain 2421 stored attributes (such as apreviously-submitted clothing size, color preference, and/or the like)from the WIVD database, including whenever the user chooses not toprovide attribute information. The electronic device may send a request2422 to the WIVD database 2423, and may receive all the storedattributes 2424 in the database. The electronic device may then send anapparel preview request 2425 to the WIVD server 2426, which may includethe photo of the user, the attributes provided, and/or the like. In someimplementations, an exemplary XML-encoded apparel preview request 2425may take a form similar to the following:

POST /apparel_preview_request.php HTTP/1.1 Host: www.DCMCPproccess.comContent-Type: Application/XML Content-Length: 788 <?XML version = “1.0”encoding = “UTF-8”?> <apparel_preview_message> <timestamp>2016-01-0112:30:00</timestamp>      <user_image>        <name> user_image </name>       <format> JPEG </format>        <compression> JPEG compression</compression>        <size> 123456 bytes </size>        <x-Resolution>72.0 </x-Resolution>        <y-Resolution> 72.0 </y-Resolution>       <date_time> 2014:8:11 16:45:32 </date_time>       <color>rbg</color>        ...        <content> ÿØÿà JFIF HH ÿâ{acute over ( )}ICC_PROFILE ¤appl mntrRGB XYZ Ü  $ acspAPPLöÖÓ-appl               desc P bdscm {acute over ( )} {hacek over(S)}cprt ------------@ $wtpt ------------d    rXYZ ------------x gXYZ------------ 

   bXYZ ------------ rTRC ------------{acute over ( )} aarg A vcgt ...       </content>        ...      </user_image>      </user_params>       <user_id>123456789</user_id>       <user_wallet_id>9988776655</wallet_id>        <user_device_id>j3h25j45gh647hj</device_id>       <user_size>4</user_size>        <user_gender>F</user_gender>        <user_body_type></user_body_type>       <search_criteria>”dresses”</search_criteria>       <date_of_request>2015-12-31</date_of_request>      </user_params></apparel_preview_message>

In some implementations, WIVD may conduct its own analysis of the userbased on the photo 2427, including analyzing the image to determine theuser's body size, body shape, complexion, and/or the like. In someimplementations, WIVD may use these attributes, along with any providedthrough the apparel preview request, to search the database 2428 forclothing that matches the user's attributes and search criteria. In someimplementations, WIVD may also update 2429 the user's attributes storedin the database, based on the attributes provided in the apparel previewrequest or based on WIVD′ analysis of the user's photo. After WIVDreceives confirmation that the update is successful 2430, WIVD may senda virtual closet 2431 to the user, comprising a user interface forpreviewing clothing, accessories, and/or the like chosen for the userbased on the user's attributes and search criteria. In someimplementations, the virtual closet may be implemented via HTML andJavascript.

In some implementations, as shown in FIG. 24c , the user may theninteract with the virtual closet in order to choose items 2432 topreview virtually. In some implementations, the virtual closet may scaleany chosen items to match the user's picture 2433, and may format theitem's image (e.g., blur the image, change lighting on the image, and/orthe like) in order for it to blend properly with the user image. In someimplementations, the user may be able to choose a number of differentitems to preview at once (e.g., a user may be able to preview a dressand a necklace at the same time, or a shirt and a pair of pants at thesame time, and/or the like), and may be able to specify other propertiesof the items, such as the color or pattern to be previewed, and/or thelike. The user may also be able to change the properties of the virtualcloset itself, such as changing the background color of the virtualcloset, the lighting in the virtual closet, and/or the like. In someimplementations, once the user has found at least one article ofclothing that the user likes, the user can choose the item(s) forpurchase 2434. The electronic device may initiate a transaction 2425 bysending a transaction message 2436 to the WIVD server, which may containuser account information that it may use to obtain the user's financialaccount information 2437 from the WIVD database. Once the informationhas been successfully obtained 2438, WIVD may initiate the purchasetransaction using the obtained user data 2439.

FIG. 25a shows a logic flow diagram illustrating checking into a storein some embodiments of the WIVD. In some implementations, the user mayscan a check-in code 2501, which may allow WIVD to receive anotification 2502 that the user has checked in, and may allow WIVD touse the user profile identification information provided to create astore profile for the user. In some implementations, the user may scan aproduct 2503, which may cause WIVD to receive notification of the user'sitem scan 2504, and may prompt WIVD to determine where the user is basedon the location of the scanned item 2505. In some implementations, WIVDmay then send a notification of the check-in and/or the item scan to asales representative 2506. WIVD may then determine (or may receive fromthe sale's representative) at least one product and/or service torecommend to the user 2507, based on the user's profile, shopping cart,scanned item, and/or the like. WIVD may then determine the location ofthe recommended product and/or service 2508, and may use the user'slocation and the location of the recommended product and/or service togenerate a map from the user's location to the recommended productand/or service 2509. WIVD may then send the recommended product and/orservice, along with the generated map, to the user 2510, so that theuser may find its way to the recommended product and add it to ashopping cart if desired.

FIG. 25b shows a logic flow diagram illustrating accessing a virtualstore in some embodiments of the WIVD. In some implementations, theuser's device may take a picture 2511 of the user, and may request fromthe user attribute data 2512, such as clothing size, clothing type,and/or like information. If the user chooses not to provide information2513, the electronic device may access the user profile in the WIVDdatabase in order to see if any previously-entered user attribute dataexists 2514. In some implementations, anything found is sent with theuser image to WIVD 2515. If little to no user attribute information isprovided, WIVD may use an image processing component to predict theuser's clothing size, complexion, body type, and/or the like 2516, andmay retrieve clothing from the database 2517. In some implementations,if the user chose to provide information 2513, then WIVD automaticallysearches the database 2517 for clothing without attempting to predictthe user's clothing size and/or the like. In some implementations, WIVDmay use the user attributes and search criteria to search the retrievedclothing 2518 for any clothing tagged with attributes matching that ofthe user (e.g. clothing tagged with a similar size as the user, and/orthe like). WIVD may send the matching clothing to the user 2519 asrecommended items to preview via a virtual closet interface. Dependingupon further search parameters provided by the user (e.g., new colors,higher or lower prices, and/or the like), WIVD may update the clothingloaded into the virtual closet 2520 based on the further searchparameters (e.g., may only load red clothing if the user chooses to onlysee the red clothing in the virtual closet, and/or the like).

In some implementations, the user may provide a selection of at leastone article of clothing to try on 2521, prompting WIVD to determine bodyand/or joint locations and markers in the user photo 2522, and to scalethe image of the article of clothing to match the user image 2523, basedon those body and/or joint locations and markers. In someimplementations, WIVD may also format the clothing image 2524, includingaltering shadows in the image, blurring the image, and/or the like, inorder to match the look of the clothing image to the look of the userimage. WIVD may superimpose 2525 the clothing image on the user image toallow the user to virtually preview the article of clothing on the user,and may allow the user to change options such as the clothing color,size, and/or the like while the article of clothing is being previewedon the user. In some implementations, WIVD may receive a request topurchase at least one article of clothing 2526, and may retrieve userinformation 2527, including the user's ID, shipping address, and/or thelike. WIVD may further retrieve the user's payment information 2528,including the user's preferred payment device or account, and/or thelike, and may contact the user's issuer (and that of the merchant) 2529in order to process the transaction. WIVD may send a confirmation to theuser when the transaction is completed 2530.

FIGS. 26a-d show schematic diagrams illustrating initiating transactionsin some embodiments of the WIVD. In some implementations, as shown inFIG. 26a , the user 2604 may have an electronic device 2601 which may bea camera-enabled device. In some implementations, the user may also havea receipt 2602 for the transaction, which may include a QR code 2603.The user may give the vocal command “Pay the total with the activewallet” 2605, and may swipe the electronic device over the receipt 2606in order to perform a gesture. In such implementations, the electronicdevice may record both the audio of the vocal command and a video (or aset of images) for the gesture, and WIVD may track the position of theQR code in the recorded video and/or images in order to determine theattempted gesture. WIVD may then prompt the user to confirm that theuser would like to pay the total on the receipt using the active walleton the electronic device and, if the user confirms the action, may carryout the transaction using the user's account information.

As shown in FIG. 26b , in some implementations, the user may have apayment device 2608, which they want to use to transfer funds to anotherpayment device 2609. Instead of gesturing with the electronic device2610, the user may use the electronic device to record a gestureinvolving swiping the payment device 2608 over payment device 2609,while giving a vocal command such as “Add $20 to Metro Card using thiscredit card” 2607. In such implementations, WIVD will determine whichpayment device is the credit card, and which is the Metro Card, and willtransfer funds from the account of the former to the account of thelatter using the user's account information, provided the user confirmsthe transaction.

As shown in FIG. 26c , in some implementations, the user may wish to usea specific payment device 2612 to pay the balance of a receipt 2613. Insuch implementations, the user may use electronic device 2614 to recordthe gesture of tapping the payment device on the receipt, along with avocal command such as “Pay this bill using this credit card” 2611. Insuch implementations, WIVD will use the payment device specified (i.e.,the credit card) to pay the entirety of the bill specified in thereceipt.

FIG. 27 shows a schematic diagram illustrating multiple partiesinitiating transactions in some embodiments of the WIVD. In someimplementations, one user with a payment device 2703, which has its ownQR code 2704, may wish to only pay for part of a bill on a receipt 2705.In such implementations, the user may tap only the part(s) of the billwhich contains the items the user ordered or wishes to pay for, and maygive a vocal command such as “Pay this part of the bill using thiscredit card” 2701. In such implementations, a second user with a secondpayment device 2706, may also choose to pay for a part of the bill, andmay also tap the part of the bill that the second user wishes to payfor. In such implementations, the electronic device 2708 may not onlyrecord the gestures, but may create an AR overlay on its display,highlighting the parts of the bill that each person is agreeing to payfor 2705 in a different color representative of each user who has made agesture and/or a vocal command. In such implementations, WIVD may usethe gestures recorded to determine which payment device to charge whichitems to, may calculate the total for each payment device, and mayinitiate the transactions for each payment device.

FIG. 28 shows a schematic diagram illustrating a virtual closet in someembodiments of the WIVD. In some implementations, the virtual closet2801 may display an image 2802 of the user, as well as a selection ofclothing 2803, accessories 2804, and/or the like. In someimplementations, if the user selects an item 2805, a box will encompassthe selection to indicate that it has been selected, and an image of theselection (scaled to the size of the user and edited in order to matchthe appearance of the user's image) may be superimposed on the image ofthe user. In some implementations, the user may have a real-time videofeed of his/herself shown rather than an image, and the video feed mayallow for the user to move and simulate the movement of the selectedclothing on his or her body. In some implementations, WIVD may be ableto use images of the article of clothing, taken at different angles, tocreate a 3-dimensional model of the piece of clothing, such that theuser may be able to see it move accurately as the user moves in thecamera view, based on the clothing's type of cloth, length, and/or thelike. In some implementations, the user may use buttons 2806 to scrollthrough the various options available based on the user's searchcriteria. The user may also be able to choose multiple options perarticle of clothing, such as other colors 2808, other sizes, otherlengths, and/or the like.

FIG. 29 shows a schematic diagram illustrating an augmented realityinterface for receipts in some embodiments of the WIVD. In someimplementations, the user may use smart glasses, contacts, and/or a likedevice 2901 to interact with WIVD using an AR interface 2902. The usermay see in a heads-up display (HUD) overlay at the top of the user'sview a set of buttons 2904 that may allow the user to choose a varietyof different applications to use in conjunction with the viewed item(e.g., the user may be able to use a social network button to post thereceipt, or another viewed item, to their social network profile, mayuse a store button to purchase a viewed item, and/or the like). The usermay be able to use the smart glasses to capture a gesture involving anelectronic device and a receipt 2903. In some implementations, the usermay also see an action prompt 2905, which may allow the user to capturethe gesture and provide a voice command to the smart glasses, which maythen inform WIVD so that it may carry out the transaction.

FIG. 30 shows a schematic diagram illustrating an augmented realityinterface for products in some embodiments of the WIVD. In someimplementations, the user may use smart glasses 3001 in order to use ARoverlay view 3002. In some implementations, a user may, after making agesture with the user's electronic device and a vocal command indicatinga desire to purchase a clothing item 3003, see a prompt in their AR HUDoverlay 3004 which confirms their desire to purchase the clothing item,using the payment method specified. The user may be able to give thevocal command “Yes,” which may prompt WIVD to initiate the purchase ofthe specified clothing.

Additional Features of a WIVD Electronic Wallet

FIG. 31 shows a user interface diagram illustrating an overview ofexample features of virtual wallet applications in some embodiments ofthe WIVD. FIG. 31 shows an illustration of various exemplary features ofa virtual wallet mobile application 3100. Some of the features displayedinclude a wallet 3101, social integration via TWITTER, FACEBOOK, etc.,offers and loyalty 3103, snap mobile purchase 3104, alerts 3105 andsecurity, setting and analytics 3196. These features are explored infurther detail below. It is to be understood that the various examplefeatures described herein may be implemented on a consumer device and/oron a device of a consumer service representative assisting a consumeruser during the consumer's shopping experience in a physical or virtualstore. Examples of consumer devices and/or customer servicerepresentative device include, without limitation: personal computer(s),and/or various mobile device(s) including, but not limited to, cellulartelephone(s), Smartphone(s) (e.g., iPhone®, Blackberry®, AndroidOS-based phones etc.), tablet computer(s) (e.g., Apple iPad™, HP Slate™,Motorola Xoom™, etc.), eBook reader(s) (e.g., Amazon Kindle™, Barnes andNoble's Nook™ eReader, etc.), laptop computer(s), notebook(s),netbook(s), gaming console(s) (e.g., XBOX Live™, Nintendo® DS, SonyPlayStation® Portable, etc.), and/or the like. In various embodiments, asubset of the features described herein may be implemented on a consumerdevice, while another subset (which may have some overlapping featureswith those, in some embodiments) may be implemented on a consumerservice representative's device.

FIGS. 32A-G show user interface diagrams illustrating example featuresof virtual wallet applications in a shopping mode, in some embodimentsof the WIVD. With reference to FIG. 32A, some embodiments of the virtualwallet mobile app facilitate and greatly enhance the shopping experienceof consumers. A variety of shopping modes, as shown in FIG. 32A, may beavailable for a consumer to peruse. In one implementation, for example,a user may launch the shopping mode by selecting the shop icon 3210 atthe bottom of the user interface. A user may type in an item in thesearch field 3212 to search and/or add an item to a cart 3211. A usermay also use a voice activated shopping mode by saying the name ordescription of an item to be searched and/or added to the cart into amicrophone 3213. In a further implementation, a user may also selectother shopping options 3214 such as current items 3215, bills 3216,address book 3217, merchants 3218 and local proximity 3219.

In one embodiment, for example, a user may select the option currentitems 3215, as shown in the left most user interface of FIG. 32A. Whenthe current items 3215 option is selected, the middle user interface maybe displayed. As shown, the middle user interface may provide a currentlist of items 3215 a-h in a user's shopping cart 3211. A user may selectan item, for example item 3215 a, to view product description 3215 j ofthe selected item and/or other items from the same merchant. The priceand total payable information may also be displayed, along with a QRcode 3215 k that captures the information necessary to effect a snapmobile purchase transaction.

With reference to FIG. 32B, in another embodiment, a user may select thebills 3216 option. Upon selecting the bills 3216 option, the userinterface may display a list of bills and/or receipts 3216 a-h from oneor more merchants. Next to each of the bills, additional informationsuch as date of visit, whether items from multiple stores are present,last bill payment date, auto-payment, number of items, and/or the likemay be displayed. In one example, the wallet shop bill 3216 a dated Jan.20, 2011 may be selected. The wallet shop bill selection may display auser interface that provides a variety of information regarding theselected bill. For example, the user interface may display a list ofitems 3216 k purchased, <<3216 i>>, a total number of items and thecorresponding value. For example, 7 items worth $102.54 were in theselected wallet shop bill. A user may now select any of the items andselect buy again to add purchase the items. The user may also refreshoffers 3216 j to clear any invalid offers from last time and/or searchfor new offers that may be applicable for the current purchase. As shownin FIG. 32B, a user may select two items for repeat purchase. Uponaddition, a message 3216 l may be displayed to confirm the addition ofthe two items, which makes the total number of items in the cart 14.

With reference to FIG. 32C, in yet another embodiment, a user may selectthe address book option 3217 to view the address book 3217 a whichincludes a list of contacts 3217 b and make any money transfers orpayments. In one embodiment, the address book may identify each contactusing their names and available and/or preferred modes of payment. Forexample, a contact Amanda G. may be paid via social pay (e.g., viaFACEBOOK) as indicated by the icon 3217 c. In another example, money maybe transferred to Brian S. via QR code as indicated by the QR code icon3217 d. In yet another example, Charles B. may accept payment via nearfield communication 3217 e, Bluetooth 3217 f and email 3217 g. Paymentmay also be made via USB 3217 h (e.g., by physically connecting twomobile devices) as well as other social channels such as TWITTER.

In one implementation, a user may select Joe P. for payment. Joe P., asshown in the user interface, has an email icon 3217 g next to his nameindicating that Joe P. accepts payment via email. When his name isselected, the user interface may display his contact information such asemail, phone, etc. If a user wishes to make a payment to Joe P. by amethod other than email, the user may add another transfer mode 3217 jto his contact information and make a payment transfer. With referenceto FIG. 32D, the user may be provided with a screen 3217 k where theuser can enter an amount to send Joe, as well as add other text toprovide Joe with context for the payment transaction 3217 l. The usercan choose modes (e.g., SMS, email, social networking) via which Joe maybe contacted via graphical user interface elements, 3217 m. As the usertypes, the text entered may be provided for review within a GUI element3217 n. When the user has completed entering in the necessaryinformation, the user can press the send button 3217 o to send thesocial message to Joe. If Joe also has a virtual wallet application, Joemay be able to review 3217 p social pay message within the app, ordirectly at the website of the social network (e.g., for Twitter™,Facebook®, etc.). Messages may be aggregated from the various socialnetworks and other sources (e.g., SMS, email). The method of redemptionappropriate for each messaging mode may be indicated along with thesocial pay message. In the illustration in FIG. 32D, the SMS 3217 q Joereceived indicates that Joe can redeem the $5 obtained via SMS byreplying to the SMS and entering the hash tag value ‘#1234’. In the sameillustration, Joe has also received a message 3217 r via Facebook®,which includes a URL link that Joe can activate to initiate redemptionof the $25 payment.

With reference to FIG. 32E, in some other embodiments, a user may selectmerchants 3218 from the list of options in the shopping mode to view aselect list of merchants 3218 a-e. In one implementation, the merchantsin the list may be affiliated to the wallet, or have affinityrelationship with the wallet. In another implementation, the merchantsmay include a list of merchants meeting a user-defined or othercriteria. For example, the list may be one that is curated by the user,merchants where the user most frequently shops or spends more than an xamount of sum or shopped for three consecutive months, and/or the like.In one implementation, the user may further select one of the merchants,Amazon 3218 a for example. The user may then navigate through themerchant's listings to find items of interest such as 3218 f-j. Directlythrough the wallet and without visiting the merchant site from aseparate page, the user may make a selection of an item 3218 j from thecatalog of Amazon 3218 a. As shown in the right most user interface ofFIG. 32D, the selected item may then be added to cart. The message 3218k indicates that the selected item has been added to the cart, andupdated number of items in the cart is now 13.

With reference to FIG. 32F, in one embodiment, there may be a localproximity option 3219 which may be selected by a user to view a list ofmerchants that are geographically in close proximity to the user. Forexample, the list of merchants 3219 a-e may be the merchants that arelocated close to the user. In one implementation, the mobile applicationmay further identify when the user in a store based on the user'slocation. For example, position icon 3219 d may be displayed next to astore (e.g., Walgreens) when the user is in close proximity to thestore. In one implementation, the mobile application may refresh itslocation periodically in case the user moved away from the store (e.g.,Walgreens). In a further implementation, the user may navigate theofferings of the selected Walgreens store through the mobileapplication. For example, the user may navigate, using the mobileapplication, to items 3219 f-j available on aisle 5 of Walgreens. In oneimplementation, the user may select corn 3219 i from his or her mobileapplication to add to cart 3219 k.

With reference to FIG. 32G, in another embodiment, the local proximityoption 3219 may include a store map and a real time map features amongothers. For example, upon selecting the Walgreens store, the user maylaunch an aisle map 3219 l which displays a map 3219 m showing theorganization of the store and the position of the user (indicated by ayellow circle). In one implementation, the user may easily configure themap to add one or more other users (e.g., user's kids) to share eachother's location within the store. In another implementation, the usermay have the option to launch a “store view” similar to street views inmaps. The store view 3219 n may display images/video of the user'ssurrounding. For example, if the user is about to enter aisle 5, thestore view map may show the view of aisle 5. Further the user maymanipulate the orientation of the map using the navigation tool 3219 oto move the store view forwards, backwards, right, left as wellclockwise and counterclockwise rotation

FIGS. 33A-F show user interface diagrams illustrating example featuresof virtual wallet applications in a payment mode, in some embodiments ofthe WIVD. With reference to FIG. 33A, in one embodiment, the walletmobile application may provide a user with a number of options forpaying for a transaction via the wallet mode 3310. In oneimplementation, an example user interface 3311 for making a payment isshown. The user interface may clearly identify the amount 3312 and thecurrency 3313 for the transaction. The amount may be the amount payableand the currency may include real currencies such as dollars and Euros,as well as virtual currencies such as reward points. The amount of thetransaction 3314 may also be prominently displayed on the userinterface. The user may select the funds tab 3316 to select one or moreforms of payment 3317, which may include various credit, debit, gift,rewards and/or prepaid cards. The user may also have the option ofpaying, wholly or in part, with reward points. For example, thegraphical indicator 3318 on the user interface shows the number ofpoints available, the graphical indicator 3319 shows the number ofpoints to be used towards the amount due 234.56 and the equivalent 3320of the number of points in a selected currency (USD, for example).

In one implementation, the user may combine funds from multiple sourcesto pay for the transaction. The amount 3315 displayed on the userinterface may provide an indication of the amount of total funds coveredso far by the selected forms of payment (e.g., Discover card and rewardspoints). The user may choose another form of payment or adjust theamount to be debited from one or more forms of payment until the amount3315 matches the amount payable 3314. Once the amounts to be debitedfrom one or more forms of payment are finalized by the user, paymentauthorization may begin.

In one implementation, the user may select a secure authorization of thetransaction by selecting the cloak button 3322 to effectively cloak oranonymize some (e.g., pre-configured) or all identifying informationsuch that when the user selects pay button 3321, the transactionauthorization is conducted in a secure and anonymous manner. In anotherimplementation, the user may select the pay button 3321 which may usestandard authorization techniques for transaction processing. In yetanother implementation, when the user selects the social button 3323, amessage regarding the transaction may be communicated to one of moresocial networks (set up by the user) which may post or announce thepurchase transaction in a social forum such as a wall post or a tweet.In one implementation, the user may select a social payment processingoption 3323. The indicator 3324 may show the authorizing and sendingsocial share data in progress.

In another implementation, a restricted payment mode 3325 may beactivated for certain purchase activities such as prescriptionpurchases. The mode may be activated in accordance with rules defined byissuers, insurers, merchants, payment processor and/or other entities tofacilitate processing of specialized goods and services. In this mode,the user may scroll down the list of forms of payments 3326 under thefunds tab to select specialized accounts such as a flexible spendingaccount (FSA) 3327, health savings account (HAS), and/or the like andamounts to be debited to the selected accounts. In one implementation,such restricted payment mode 1925 processing may disable social sharingof purchase information.

In one embodiment, the wallet mobile application may facilitateimporting of funds via the import funds user interface 3328. Forexample, a user who is unemployed may obtain unemployment benefit fund3329 via the wallet mobile application. In one implementation, theentity providing the funds may also configure rules for using the fundas shown by the processing indicator message 3330. The wallet may readand apply the rules prior, and may reject any purchases with theunemployment funds that fail to meet the criteria set by the rules.Example criteria may include, for example, merchant category code (MCC),time of transaction, location of transaction, and/or the like. As anexample, a transaction with a grocery merchant having MCC 5411 may beapproved, while a transaction with a bar merchant having an MCC 5813 maybe refused.

With reference to FIG. 33B, in one embodiment, the wallet mobileapplication may facilitate dynamic payment optimization based on factorssuch as user location, preferences and currency value preferences amongothers. For example, when a user is in the United States, the countryindicator 3331 may display a flag of the United States and may set thecurrency 3333 to the United States. In a further implementation, thewallet mobile application may automatically rearrange the order in whichthe forms of payments 3335 are listed to reflect the popularity oracceptability of various forms of payment. In one implementation, thearrangement may reflect the user's preference, which may not be changedby the wallet mobile application.

Similarly, when a German user operates a wallet in Germany, the mobilewallet application user interface may be dynamically updated to reflectthe country of operation 3332 and the currency 3334. In a furtherimplementation, the wallet application may rearrange the order in whichdifferent forms of payment 3336 are listed based on their acceptancelevel in that country. Of course, the order of these forms of paymentsmay be modified by the user to suit his or her own preferences.

With reference to FIG. 33C, in one embodiment, the payee tab 3337 in thewallet mobile application user interface may facilitate user selectionof one or more payees receiving the funds selected in the funds tab. Inone implementation, the user interface may show a list of all payees3338 with whom the user has previously transacted or available totransact. The user may then select one or more payees. The payees 3338may include larger merchants such as Amazon.com Inc., and individualssuch as Jane P. Doe. Next to each payee name, a list of accepted paymentmodes for the payee may be displayed. In one implementation, the usermay select the payee Jane P. Doe 3339 for receiving payment. Uponselection, the user interface may display additional identifyinginformation relating to the payee.

With reference to FIG. 33D, in one embodiment, the mode tab 1940 mayfacilitate selection of a payment mode accepted by the payee. A numberof payment modes may be available for selection. Example modes include,blue tooth 3341, wireless 3342, snap mobile by user-obtained QR code3343, secure chip 3344, TWITTER 3345, near-field communication (NFC)3346, cellular 3347, snap mobile by user-provided QR code 3348, USB 3349and FACEBOOK 3350, among others. In one implementation, only the paymentmodes that are accepted by the payee may be selectable by the user.Other non-accepted payment modes may be disabled.

With reference to FIG. 33E, in one embodiment, the offers tab 3351 mayprovide real-time offers that are relevant to items in a user's cart forselection by the user. The user may select one or more offers from thelist of applicable offers 3352 for redemption. In one implementation,some offers may be combined, while others may not. When the user selectsan offer that may not be combined with another offer, the unselectedoffers may be disabled. In a further implementation, offers that arerecommended by the wallet application's recommendation engine may beidentified by an indicator, such as the one shown by 3353. In a furtherimplementation, the user may read the details of the offer by expandingthe offer row as shown by 3354 in the user interface.

With reference to FIG. 33F, in one embodiment, the social tab 3355 mayfacilitate integration of the wallet application with social channels3356. In one implementation, a user may select one or more socialchannels 3356 and may sign in to the selected social channel from thewallet application by providing to the wallet application the socialchannel user name and password 3357 and signing in 3358. The user maythen use the social button 3359 to send or receive money through theintegrated social channels. In a further implementation, the user maysend social share data such as purchase information or links throughintegrated social channels. In another embodiment, the user suppliedlogin credentials may allow WIVD to engage in interception parsing.

FIG. 34 shows a user interface diagram illustrating example features ofvirtual wallet applications, in a history mode, in some embodiments ofthe WIVD. In one embodiment, a user may select the history mode 3410 toview a history of prior purchases and perform various actions on thoseprior purchases. For example, a user may enter a merchant identifyinginformation such as name, product, MCC, and/or the like in the searchbar 3411. In another implementation, the user may use voice activatedsearch feature by clicking on the microphone icon 3414. The walletapplication may query the storage areas in the mobile device orelsewhere (e.g., one or more databases and/or tables remote from themobile device) for transactions matching the search keywords. The userinterface may then display the results of the query such as transaction3415. The user interface may also identify the date 3412 of thetransaction, the merchants and items 3413 relating to the transaction, abarcode of the receipt confirming that a transaction was made, theamount of the transaction and any other relevant information.

In one implementation, the user may select a transaction, for exampletransaction 3415, to view the details of the transaction. For example,the user may view the details of the items associated with thetransaction and the amounts 3416 of each item. In a furtherimplementation, the user may select the show option 3417 to view actions3418 that the user may take in regards to the transaction or the itemsin the transaction. For example, the user may add a photo to thetransaction (e.g., a picture of the user and the iPad the user bought).In a further implementation, if the user previously shared the purchasevia social channels, a post including the photo may be generated andsent to the social channels for publishing. In one implementation, anysharing may be optional, and the user, who did not share the purchasevia social channels, may still share the photo through one or moresocial channels of his or her choice directly from the history mode ofthe wallet application. In another implementation, the user may add thetransaction to a group such as company expense, home expense, travelexpense or other categories set up by the user. Such grouping mayfacilitate year-end accounting of expenses, submission of work expensereports, submission for value added tax (VAT) refunds, personalexpenses, and/or the like. In yet another implementation, the user maybuy one or more items purchased in the transaction. The user may thenexecute a transaction without going to the merchant catalog or site tofind the items. In a further implementation, the user may also cart oneor more items in the transaction for later purchase.

The history mode, in another embodiment, may offer facilities forobtaining and displaying ratings 3419 of the items in the transaction.The source of the ratings may be the user, the user's friends (e.g.,from social channels, contacts, etc.), reviews aggregated from the web,and/or the like. The user interface in some implementations may alsoallow the user to post messages to other users of social channels (e.g.,TWITTER or FACEBOOK). For example, the display area 3420 shows FACEBOOKmessage exchanges between two users. In one implementation, a user mayshare a link via a message 3421. Selection of such a message havingembedded link to a product may allow the user to view a description ofthe product and/or purchase the product directly from the history mode.

In one embodiment, the history mode may also include facilities forexporting receipts. The export receipts pop up 3422 may provide a numberof options for exporting the receipts of transactions in the history.For example, a user may use one or more of the options 3425, whichinclude save (to local mobile memory, to server, to a cloud account,and/or the like), print to a printer, fax, email, and/or the like. Theuser may utilize his or her address book 3423 to look up email or faxnumber for exporting. The user may also specify format options 3424 forexporting receipts. Example format options may include, withoutlimitation, text files (.doc, .txt, .rtf, iif, etc.), spreadsheet (.csv,.xls, etc.), image files (.jpg, .tff, .png, etc.), portable documentformat (.pdf), postscript (.ps), and/or the like. The user may thenclick or tap the export button 3427 to initiate export of receipts.

FIGS. 35A-E show user interface diagrams illustrating example featuresof virtual wallet applications in a snap mode, in some embodiments ofthe WIVD. With reference to FIG. 35A, in one embodiment, a user mayselect the snap mode 2110 to access its snap features. The snap mode mayhandle any machine-readable representation of data. Examples of suchdata may include linear and 2D bar codes such as UPC code and QR codes.These codes may be found on receipts, product packaging, and/or thelike. The snap mode may also process and handle pictures of receipts,products, offers, credit cards or other payment devices, and/or thelike. An example user interface in snap mode is shown in FIG. 35A. Auser may use his or her mobile phone to take a picture of a QR code 3515and/or a barcode 3514. In one implementation, the bar 3513 and snapframe 3515 may assist the user in snapping codes properly. For example,the snap frame 3515, as shown, does not capture the entirety of the code3516. As such, the code captured in this view may not be resolvable asinformation in the code may be incomplete. This is indicated by themessage on the bar 3513 that indicates that the snap mode is stillseeking the code. When the code 3516 is completely framed by the snapframe 3515, the bar message may be updated to, for example, “snapfound.” Upon finding the code, in one implementation, the user mayinitiate code capture using the mobile device camera. In anotherimplementation, the snap mode may automatically snap the code using themobile device camera.

With reference to FIG. 35B, in one embodiment, the snap mode mayfacilitate payment reallocation post transaction. For example, a usermay buy grocery and prescription items from a retailer Acme Supermarket.The user may, inadvertently or for ease of checkout for example, use hisor her Visa card to pay for both grocery and prescription items.However, the user may have an FSA account that could be used to pay forprescription items, and which would provide the user tax benefits. Insuch a situation, the user may use the snap mode to initiate transactionreallocation.

As shown, the user may enter a search term (e.g., bills) in the searchbar 2121. The user may then identify in the tab 3522 the receipt 3523the user wants to reallocate. Alternatively, the user may directly snapa picture of a barcode on a receipt, and the snap mode may generate anddisplay a receipt 3523 using information from the barcode. The user maynow reallocate 3525. In some implementations, the user may also disputethe transaction 3524 or archive the receipt 3526.

In one implementation, when the reallocate button 3525 is selected, thewallet application may perform optical character recognition (OCR) ofthe receipt. Each of the items in the receipt may then be examined toidentify one or more items which could be charged to which paymentdevice or account for tax or other benefits such as cash back, rewardpoints, etc. In this example, there is a tax benefit if the prescriptionmedication charged to the user's Visa card is charged to the user's FSA.The wallet application may then perform the reallocation as the backend. The reallocation process may include the wallet contacting thepayment processor to credit the amount of the prescription medication tothe Visa card and debit the same amount to the user's FSA account. In analternate implementation, the payment processor (e.g., Visa orMasterCard) may obtain and OCR the receipt, identify items and paymentaccounts for reallocation and perform the reallocation. In oneimplementation, the wallet application may request the user to confirmreallocation of charges for the selected items to another paymentaccount. The receipt 3527 may be generated after the completion of thereallocation process. As discussed, the receipt shows that some chargeshave been moved from the Visa account to the FSA.

With reference to FIG. 35C, in one embodiment, the snap mode mayfacilitate payment via pay code such as barcodes or QR codes. Forexample, a user may snap a QR code of a transaction that is not yetcomplete. The QR code may be displayed at a merchant POS terminal, a website, or a web application and may be encoded with informationidentifying items for purchase, merchant details and other relevantinformation. When the user snaps such as a QR code, the snap mode maydecode the information in the QR code and may use the decodedinformation to generate a receipt 3532. Once the QR code is identified,the navigation bar 3531 may indicate that the pay code is identified.The user may now have an option to add to cart 3533, pay with a defaultpayment account 3534 or pay with wallet 3535.

In one implementation, the user may decide to pay with default 3534. Thewallet application may then use the user's default method of payment, inthis example the wallet, to complete the purchase transaction. Uponcompletion of the transaction, a receipt may be automatically generatedfor proof of purchase. The user interface may also be updated to provideother options for handling a completed transaction. Example optionsinclude social 3537 to share purchase information with others,reallocate 3538 as discussed with regard to FIG. 35B, and archive 3539to store the receipt.

With reference to FIG. 35D, in one embodiment, the snap mode may alsofacilitate offer identification, application and storage for future use.For example, in one implementation, a user may snap an offer code 3541(e.g., a bar code, a QR code, and/or the like). The wallet applicationmay then generate an offer text 3542 from the information encoded in theoffer code. The user may perform a number of actions on the offer code.For example, the user use the find button 3543 to find all merchants whoaccept the offer code, merchants in the proximity who accept the offercode, products from merchants that qualify for the offer code, and/orthe like. The user may also apply the offer code to items that arecurrently in the cart using the add to cart button 3544. Furthermore,the user may also save the offer for future use by selecting the savebutton 3545.

In one implementation, after the offer or coupon 3546 is applied, theuser may have the option to find qualifying merchants and/or productsusing find, the user may go to the wallet using 3548, and the user mayalso save the offer or coupon 3546 for later use.

With reference to FIG. 35E, in one embodiment, the snap mode may alsooffer facilities for adding a funding source to the wallet application.In one implementation, a pay card such as a credit card, debit card,pre-paid card, smart card and other pay accounts may have an associatedcode such as a bar code or QR code. Such a code may have encoded thereinpay card information including, but not limited to, name, address, paycard type, pay card account details, balance amount, spending limit,rewards balance, and/or the like. In one implementation, the code may befound on a face of the physical pay card. In another implementation, thecode may be obtained by accessing an associated online account oranother secure location. In yet another implementation, the code may beprinted on a letter accompanying the pay card. A user, in oneimplementation, may snap a picture of the code. The wallet applicationmay identify the pay card 3551 and may display the textual information3552 encoded in the pay card. The user may then perform verification ofthe information 3552 by selecting the verify button 3553. In oneimplementation, the verification may include contacting the issuer ofthe pay card for confirmation of the decoded information 3552 and anyother relevant information. In one implementation, the user may add thepay card to the wallet by selecting the ‘add to wallet’ button 3554. Theinstruction to add the pay card to the wallet may cause the pay card toappear as one of the forms of payment under the funds tab 3316 discussedin FIG. 33A. The user may also cancel importing of the pay card as afunding source by selecting the cancel button 3555. When the pay cardhas been added to the wallet, the user interface may be updated toindicate that the importing is complete via the notification display3556. The user may then access the wallet 3557 to begin using the addedpay card as a funding source.

FIG. 36 shows a user interface diagram illustrating example features ofvirtual wallet applications, in an offers mode, in some embodiments ofthe WIVD. In some implementations, the WIVD may allow a user to searchfor offers for products and/or services from within the virtual walletmobile application. For example, the user may enter text into agraphical user interface (“GUI”) element 3611, or issue voice commandsby activating GUI element 3612 and speaking commands into the device. Insome implementations, the WIVD may provide offers based on the user'sprior behavior, demographics, current location, current cart selectionor purchase items, and/or the like. For example, if a user is in abrick-and-mortar store, or an online shopping website, and leaves the(virtual) store, then the merchant associated with the store may desireto provide a sweetener deal to entice the consumer back into the(virtual) store. The merchant may provide such an offer 3613. Forexample, the offer may provide a discount, and may include an expirytime. In some implementations, other users may provide gifts (e.g.,3614) to the user, which the user may redeem. In some implementations,the offers section may include alerts as to payment of funds outstandingto other users (e.g., 3615). In some implementations, the offers sectionmay include alerts as to requesting receipt of funds from other users(e.g., 3616). For example, such a feature may identify funds receivablefrom other applications (e.g., mail, calendar, tasks, notes, reminderprograms, alarm, etc.), or by a manual entry by the user into thevirtual wallet application. In some implementations, the offers sectionmay provide offers from participating merchants in the WIVD, e.g.,3617-3619, 3620. These offers may sometimes be assembled using acombination of participating merchants, e.g., 3617. In someimplementations, the WIVD itself may provide offers for users contingenton the user utilizing particular payment forms from within the virtualwallet application, e.g., 3620.

FIGS. 37A-B show user interface diagrams illustrating example featuresof virtual wallet applications, in a security and privacy mode, in someembodiments of the WIVD. With reference to FIG. 37A, in someimplementations, the user may be able to view and/or modify the userprofile and/or settings of the user, e.g., by activating a userinterface element. For example, the user may be able to view/modify auser name (e.g., 3711 a-b), account number (e.g., 3712 a-b), usersecurity access code (e.g., 3713-b), user pin (e.g., 3714-b), useraddress (e.g., 3715-b), social security number associated with the user(e.g., 3716-b), current device GPS location (e.g., 3717-b), user accountof the merchant in whose store the user currently is (e.g., 3718-b), theuser's rewards accounts (e.g., 3719-b), and/or the like. In someimplementations, the user may be able to select which of the data fieldsand their associated values should be transmitted to facilitate thepurchase transaction, thus providing enhanced data security for theuser. For example, in the example illustration in FIG. 37A, the user hasselected the name 3711 a, account number 3712 a, security code 3713 a,merchant account ID 3718 a and rewards account ID 3719 a as the fieldsto be sent as part of the notification to process the purchasetransaction. In some implementations, the user may toggle the fieldsand/or data values that are sent as part of the notification to processthe purchase transactions. In some implementations, the app may providemultiple screens of data fields and/or associated values stored for theuser to select as part of the purchase order transmission. In someimplementations, the app may provide the WIVD with the GPS location ofthe user. Based on the GPS location of the user, the WIVD may determinethe context of the user (e.g., whether the user is in a store, doctor'soffice, hospital, postal service office, etc.). Based on the context,the user app may present the appropriate fields to the user, from whichthe user may select fields and/or field values to send as part of thepurchase order transmission.

For example, a user may go to doctor's office and desire to pay theco-pay for doctor's appointment. In addition to basic transactionalinformation such as account number and name, the app may provide theuser the ability to select to transfer medical records, healthinformation, which may be provided to the medical provider, insurancecompany, as well as the transaction processor to reconcile paymentsbetween the parties. In some implementations, the records may be sent ina Health Insurance Portability and Accountability Act (HIPAA)-compliantdata format and encrypted, and only the recipients who are authorized toview such records may have appropriate decryption keys to decrypt andview the private user information.

With reference to FIG. 37B, in some implementations, the app executingon the user's device may provide a “VerifyChat” feature for fraudprevention. For example, the WIVD may detect an unusual and/orsuspicious transaction. The WIVD may utilize the VerifyChat feature tocommunicate with the user, and verify the authenticity of the originatorof the purchase transaction. In various implementations, the WIVD maysend electronic mail message, text (SMS) messages, Facebook® messages,Twitter™ tweets, text chat, voice chat, video chat (e.g., AppleFaceTime), and/or the like to communicate with the user. For example,the WIVD may initiate a video challenge for the user, e.g., 3721. Forexample, the user may need to present him/her-self via a video chat,e.g., 3722. In some implementations, a customer service representative,e.g., agent 3724, may manually determine the authenticity of the userusing the video of the user. In some implementations, the WIVD mayutilize face, biometric and/or like recognition (e.g., using patternclassification techniques) to determine the identity of the user. Insome implementations, the app may provide reference marker (e.g.,cross-hairs, target box, etc.), e.g., 3723, so that the user may thevideo to facilitate the WIVD's automated recognition of the user. Insome implementations, the user may not have initiated the transaction,e.g., the transaction is fraudulent. In such implementations, the usermay cancel the challenge. The WIVD may then cancel the transaction,and/or initiate fraud investigation procedures on behalf of the user.

In some implementations, the WIVD may utilize a text challenge procedureto verify the authenticity of the user, e.g., 3725. For example, theWIVD may communicate with the user via text chat, SMS messages,electronic mail, Facebook® messages, Twitter™ tweets, and/or the like.The WIVD may pose a challenge question, e.g., 3726, for the user. Theapp may provide a user input interface element(s) (e.g., virtualkeyboard 3728) to answer the challenge question posed by the WIVD. Insome implementations, the challenge question may be randomly selected bythe WIVD automatically; in some implementations, a customer servicerepresentative may manually communicate with the user. In someimplementations, the user may not have initiated the transaction, e.g.,the transaction is fraudulent. In such implementations, the user maycancel the text challenge. The WIVD may cancel the transaction, and/orinitiate fraud investigation on behalf of the user.

FIG. 38 shows a data flow diagram illustrating an example user purchasecheckout procedure in some embodiments of the WIVD. In some embodiments,a user, e.g., 3801 a, may desire to purchase a product, service,offering, and/or the like (“product”), from a merchant via a merchantonline site or in the merchant's store. In some embodiments, the user3801 a may be a customer service representative in a store, assisting aconsumer in their shopping experience. The user may communicate with amerchant/acquirer (“merchant”) server, e.g., 3803 a, via a client suchas, but not limited to: a personal computer, mobile device, television,point-of-sale terminal, kiosk, ATM, and/or the like (e.g., 3802). Forexample, the user may provide user input, e.g., checkout input 3811,into the client indicating the user's desire to purchase the product. Invarious embodiments, the user input may include, but not be limited to:a single tap (e.g., a one-tap mobile app purchasing embodiment) of atouch screen interface, keyboard entry, card swipe, activating aRFID/NFC enabled hardware device (e.g., electronic card having multipleaccounts, smartphone, tablet, etc.) within the user device, mouseclicks, depressing buttons on a joystick/game console, voice commands,single/multi-touch gestures on a touch-sensitive interface, touchinguser interface elements on a touch-sensitive display, and/or the like.As an example, a user in a merchant store may scan a product barcode ofthe product via a barcode scanner at a point-of-sale terminal. Asanother example, the user may select a product from a webpage catalog onthe merchant's website, and add the product to a virtual shopping carton the merchant's website. The user may then indicate the user's desireto checkout the items in the (virtual) shopping cart. For example, theuser may activate a user interface element provided by the client toindicate the user's desire to complete the user purchase checkout. Theclient may generate a checkout request, e.g., 3812, and provide thecheckout request, e.g., 3813, to the merchant server. For example, theclient may provide a (Secure) Hypertext Transfer Protocol (“HTTP(S)”)POST message including the product details for the merchant server inthe form of data formatted according to the eXtensible Markup Language(“XML”). An example listing of a checkout request 3812, substantially inthe form of a HTTP(S) POST message including XML-formatted data, isprovided below:

POST /checkoutrequest.php HTTP/1.1 Host: www.merchant.com Content-Type:Application/XML Content-Length: 667 <?XML version = “1.0” encoding =“UTF-8”?> <checkout_request>    <checkout_ID>4NFU4RG94</checkout_ID>   <timestamp>2011-02-22 15:22:43</timestamp>    <purchase_detail>    <num_products>5</num_products>    <product_ID>AE95049324</product_ID>    <product_ID>MD09808755</product_ID>    <product_ID>OC12345764</product_ID>    <product_ID>KE76549043</product_ID>    <product_ID>SP27674509</product_ID>    </purchase_detail><!--optional parameters-->    <user_ID>john.q.public@gmail.com</user_ID>   <PoS_client_detail>     <client_IP>192.168.23.126</client_IP>    <client_type>smartphone</client_type>     <client_model>HTCHero</client_model>     <OS>Android 2.2</OS>    <app_installed_flag>true</app_installed_flag>   </PoS_client_detail> </checkout_request>

In some embodiments, the merchant server may obtain the checkout requestfrom the client, and extract the checkout detail (e.g., XML data) fromthe checkout request. For example, the merchant server may utilize aparser such as the example parsers described below in the discussionwith reference to FIG. 44. Based on parsing the checkout request 3812,the merchant server may extract product data (e.g., productidentifiers), as well as available PoS client data, from the checkoutrequest. In some embodiments, using the product data, the merchantserver may query, e.g., 3814, a merchant/acquirer (“merchant”) database,e.g., 3803 b, to obtain product data, e.g., 3815, such as productinformation, product pricing, sales tax, offers, discounts, rewards,and/or other information to process the purchase transaction and/orprovide value-added services for the user. For example, the merchantdatabase may be a relational database responsive to Structured QueryLanguage (“SQL”) commands. The merchant server may execute a hypertextpreprocessor (“PHP”) script including SQL commands to query a databasetable (such as FIG. 44, Products 4419 l) for product data. An exampleproduct data query 3814, substantially in the form of PHP/SQL commands,is provided below:

<?PHP header(‘Content-Type: text/plain’);mysql_connect(“254.93.179.112”,$DBserver,$password); // access databaseserver mysql_select_db(“WIVD_DB.SQL”); // select database table tosearch //create query $query = “SELECT product_titleproduct_attributes_list product_price   tax_info_listrelated_products_list offers_list discounts_list   rewards_list  merchants_list merchant_availability_list FROM ProductsTable   WHERE  product_ID LIKE ‘%’ $prodID”; $result = mysql_query($query); //perform the search query mysql_close(“WIVD_DB.SQL”); // close databaseaccess ?>

In some embodiments, in response to obtaining the product data, themerchant server may generate, e.g., 3816, checkout data to provide forthe PoS client. In some embodiments, such checkout data, e.g., 3817, maybe embodied, in part, in a HyperText Markup Language (“HTML”) pageincluding data for display, such as product detail, product pricing,total pricing, tax information, shipping information, offers, discounts,rewards, value-added service information, etc., and input fields toprovide payment information to process the purchase transaction, such asaccount holder name, account number, billing address, shipping address,tip amount, etc. In some embodiments, the checkout data may be embodied,in part, in a Quick Response (“QR”) code image that the PoS client candisplay, so that the user may capture the QR code using a user's deviceto obtain merchant and/or product data for generating a purchasetransaction processing request. In some embodiments, a user alertmechanism may be built into the checkout data. For example, the merchantserver may embed a URL specific to the transaction into the checkoutdata. In some embodiments, the alerts URL may further be embedded intooptional level 3 data in card authorization requests, such as thosediscussed further below with reference to FIGS. 40-41. The URL may pointto a webpage, data file, executable script, etc., stored on themerchant's server dedicated to the transaction that is the subject ofthe card authorization request. For example, the object pointed to bythe URL may include details on the purchase transaction, e.g., productsbeing purchased, purchase cost, time expiry, status of order processing,and/or the like. Thus, the merchant server may provide to the paymentnetwork the details of the transaction by passing the URL of the webpageto the payment network. In some embodiments, the payment network mayprovide notifications to the user, such as a payment receipt,transaction authorization confirmation message, shipping notificationand/or the like. In such messages, the payment network may provide theURL to the user device. The user may navigate to the URL on the user'sdevice to obtain alerts regarding the user's purchase, as well as otherinformation such as offers, coupons, related products, rewardsnotifications, and/or the like. An example listing of a checkout data3817, substantially in the form of XML-formatted data, is providedbelow:

<?XML version = “1.0” encoding = “UTF-8”?> <checkout_data>  <session_ID>4NFU4RG94</session_ID>   <timestamp>2011-02-2215:22:43</timestamp>   <expiry_lapse>00:00:30</expiry_lapse>  <transaction_cost>$34.78</transaction_cost>  <alerts_URL>www.merchant.com/shopcarts.php?sessionID=4NFU4RG94</alerts_URL>  <!--optional data-->   <user_ID>john.q.public@gmail.com</user_ID>  <client_details>       <client_IP>192.168.23.126</client_IP>      <client_type>smartphone</client_type>       <client_model>HTCHero</client_model>       <OS>Android 2.2</OS>      <app_installed_flag>true</app_installed_flag>   </client_details>  <purchase_details>       <num_products>1</num_products>      <product>           <product_type>book</product_type>          <product_params>               <product_title>XML fordummies</product_title>               <ISBN>938-2-14-168710-0</ISBN>              <edition>2nd ed.</edition>              <cover>hardbound</cover>              <seller>bestbuybooks</seller>           </product_params>          <quantity>1</quantity>       </product>   </purchase_details>  <offers_details>       <num_offers>1</num_offers>       <product>          <product_type>book</product_type>           <product_params>              <product_title>Here's more XML</product_title>              <ISBN>922-7-14-165720-1</ISBN>               <edition>1nded.</edition>               <cover>hardbound</cover>              <seller>digibooks</seller>           </product_params>          <quantity>1</quantity>       </product>   </offers_details>  <secure_element>www.merchant.com/securedyn/0394733/123.png</secure_element>  <merchant_params>       <merchant_id>3FBCR4INC</merchant_id>      <merchant_name>Books & Things, Inc.</merchant_name>      <merchant_auth_key>1NNF484MCP59CHB27365</merchant_auth_key>  </merchant_params> <checkout_data>

Upon obtaining the checkout data, e.g., 3817, the PoS client may renderand display, e.g., 3818, the checkout data for the user.

FIG. 39 shows a logic flow diagram illustrating example aspects of auser purchase checkout in some embodiments of the WIVD, e.g., a UserPurchase Checkout (“UPC”) component 3900. In some embodiments, a usermay desire to purchase a product, service, offering, and/or the like(“product”), from a merchant via a merchant online site or in themerchant's store. The user may communicate with a merchant/acquirer(“merchant”) server via a PoS client. For example, the user may provideuser input, e.g., 3901, into the client indicating the user's desire topurchase the product. The client may generate a checkout request, e.g.,3902, and provide the checkout request to the merchant server. In someembodiments, the merchant server may obtain the checkout request fromthe client, and extract the checkout detail (e.g., XML data) from thecheckout request. For example, the merchant server may utilize a parsersuch as the example parsers described below in the discussion withreference to FIG. 44. Based on parsing the checkout request, themerchant server may extract product data (e.g., product identifiers), aswell as available PoS client data, from the checkout request. In someembodiments, using the product data, the merchant server may query,e.g., 3903, a merchant/acquirer (“merchant”) database to obtain productdata, e.g., 3904, such as product information, product pricing, salestax, offers, discounts, rewards, and/or other information to process thepurchase transaction and/or provide value-added services for the user.In some embodiments, in response to obtaining the product data, themerchant server may generate, e.g., 3905, checkout data to provide,e.g., 3906, for the PoS client. Upon obtaining the checkout data, thePoS client may render and display, e.g., 3907, the checkout data for theuser.

FIGS. 40A-B show data flow diagrams illustrating an example purchasetransaction authorization procedure in some embodiments of the WIVD.With reference to FIG. 40A, in some embodiments, a user, e.g., 4001 a,may wish to utilize a virtual wallet account to purchase a product,service, offering, and/or the like (“product”), from a merchant via amerchant online site or in the merchant's store. The user may utilize aphysical card, or a user wallet device, e.g., 4001 b, to access theuser's virtual wallet account. For example, the user wallet device maybe a personal/laptop computer, cellular telephone, smartphone, tablet,eBook reader, netbook, gaming console, and/or the like. The user mayprovide a wallet access input, e.g., 4011 into the user wallet device.In various embodiments, the user input may include, but not be limitedto: a single tap (e.g., a one-tap mobile app purchasing embodiment) of atouch screen interface, keyboard entry, card swipe, activating aRFID/NFC enabled hardware device (e.g., electronic card having multipleaccounts, smartphone, tablet, etc.) within the user device, mouseclicks, depressing buttons on a joystick/game console, voice commands,single/multi-touch gestures on a touch-sensitive interface, touchinguser interface elements on a touch-sensitive display, and/or the like.In some embodiments, the user wallet device may authenticate the userbased on the user's wallet access input, and provide virtual walletfeatures for the user.

In some embodiments, upon authenticating the user for access to virtualwallet features, the user wallet device may provide a transactionauthorization input, e.g., 4014, to a point-of-sale (“PoS”) client,e.g., 4002. For example, the user wallet device may communicate with thePoS client via Bluetooth, Wi-Fi, cellular communication, one- or two-waynear-field communication (“NFC”), and/or the like. In embodiments wherethe user utilizes a plastic card instead of the user wallet device, theuser may swipe the plastic card at the PoS client to transferinformation from the plastic card into the PoS client. For example, thePoS client may obtain, as transaction authorization input 4014, track 1data from the user's plastic card (e.g., credit card, debit card,prepaid card, charge card, etc.), such as the example track 1 dataprovided below:

%B123456789012345{circumflex over ( )}PUBLIC/J.Q.{circumflex over( )}99011200000000000000**901******?* (wherein ‘123456789012345’ is thecard number of ‘J.Q. Public’ and has a CVV number of 901. ‘990112’ is aservice code, and *** represents decimal digits which change randomlyeach time the card is used.)

In embodiments where the user utilizes a user wallet device, the userwallet device may provide payment information to the PoS client,formatted according to a data formatting protocol appropriate to thecommunication mechanism employed in the communication between the userwallet device and the PoS client. An example listing of transactionauthorization input 4014, substantially in the form of XML-formatteddata, is provided below:

<?XML version = “1.0” encoding = “UTF-8”?><transaction_authorization_input> <payment_data> <account><charge_priority>1</charge_priority> <charge_ratio>40%</charge_ratio><account_number>123456789012345</account_number> <account_name>John Q.Public</account_name> <bill_add>987 Green St #456, Chicago, IL94652</bill_add> <ship_add>987 Green St #456, Chicago, IL94652</ship_add> <CVV>123</CVV> </account> <account><charge_priority>1</charge_priority> <charge_ratio>60%</charge_ratio><account_number>234567890123456</account_number> <account_name>John Q.Public</account_name> <bill_add>987 Green St #456, Chicago, IL94652</bill_add> <ship_add>987 Green St #456, Chicago, IL94652</ship_add> <CVV>173</CVV> </account> <account><charge_priority>2</charge_priority> <charge_ratio>100%</charge_ratio><account_number>345678901234567</account_number> <account_name>John Q.Public</account_name> <bill_add>987 Green St #456, Chicago, IL94652</bill_add> <ship_add>987 Green St #456, Chicago, IL94652</ship_add> <CVV>695</CVV> </account> </payment_data> <!--optionaldata--> <timestamp>2011-02-22 15:22:43</timestamp><expiry_lapse>00:00:30</expiry_lapse><secure_key>0445329070598623487956543322</secure_key><alerts_track_flag>TRUE</alerts_track_flag> <wallet_device_details><device_IP>192.168.23.126</client_IP><device_type>smartphone</client_type> <device_model>HTCHero</client_model> <OS>Android 2.2</OS><wallet_app_installed_flag>true</wallet_app_installed_flag></wallet_device_details> </transaction_authorization_input>

In some embodiments, the PoS client may generate a card authorizationrequest, e.g., 4015, using the obtained transaction authorization inputfrom the user wallet device, and/or product/checkout data (see, e.g.,FIG. 38, 3815-3817). An example listing of a card authorization request4015, substantially in the form of a HTTP(S) POST message includingXML-formatted data, is provided below:

POST /authorizationrequests.php HTTP/1.1 Host: www.acquirer.comContent-Type: Application/XML Content-Length: 1306 <?XML version = “1.0”encoding = “UTF-8”?> <card_authorization_request><session_ID>4NFU4RG94</order_ID> <timestamp>2011-02-2215:22:43</timestamp> <expiry>00:00:30</expiry><alerts_URL>www.merchant.com/shopcarts.php?sessionID=AEBB4356</alerts_URL><!--optional data--> <user_ID>john.q.public@gmail.com</user_ID><PoS_(——)details> <PoS_IP>192.168.23.126</client_IP><PoS_type>smartphone</client_type> <PoS_model>HTC Hero</client_model><OS>Android 2.2</OS> <app_installed_flag>true</app_installed_flag></PoS_details> <purchase_details> <num_products>1</num_products><product> <product_type>book</product_type> <product_params><product_title>XML for dummies</product_title><ISBN>938-2-14-168710-0</ISBN> <edition>2nd ed.</edition><cover>hardbound</cover> <seller>bestbuybooks</seller> </product_params><quantity>1</quantity> </product> </purchase_details> <merchant_params><merchant_id>3FBCR4INC</merchant_id> <merchant_name>Books & Things,Inc.</merchant_name><merchant_auth_key>1NNF484MCP59CHB27365</merchant_auth_key></merchant_params> <account_params> <account_name>John Q.Public</account_name> <account_type>credit</account_type><account_num>123456789012345</account_num> <billing_address>123 GreenSt., Norman, OK 98765</billing_address> <phone>123-456-7809</phone><sign>/jqp/</sign> <confirm_type>email</confirm_type><contact_info>john.q.public@gmail.com</contact_info> </account_params><shipping_info> <shipping_adress>same as billing</shipping_address><ship_type>expedited</ship_type> <ship_carrier>FedEx</ship_carrier><ship_account>123-45-678</ship_account><tracking_flag>true</tracking_flag> <sign_flag>false</sign_flag></shipping_info> </card_authorization_request>

In some embodiments, the card authorization request generated by theuser device may include a minimum of information required to process thepurchase transaction. For example, this may improve the efficiency ofcommunicating the purchase transaction request, and may alsoadvantageously improve the privacy protections provided to the userand/or merchant. For example, in some embodiments, the cardauthorization request may include at least a session ID for the user'sshopping session with the merchant. The session ID may be utilized byany component and/or entity having the appropriate access authority toaccess a secure site on the merchant server to obtain alerts, reminders,and/or other data about the transaction(s) within that shopping sessionbetween the user and the merchant. In some embodiments, the PoS clientmay provide the generated card authorization request to the merchantserver, e.g., 4016. The merchant server may forward the cardauthorization request to a pay gateway server, e.g., 4004 a, for routingthe card authorization request to the appropriate payment network forpayment processing. For example, the pay gateway server may be able toselect from payment networks, such as Visa, MasterCard, AmericanExpress, Paypal, etc., to process various types of transactionsincluding, but not limited to: credit card, debit card, prepaid card,B2B and/or like transactions. In some embodiments, the merchant servermay query a database, e.g., merchant/acquirer database 4003 b, for anetwork address of the payment gateway server, for example by using aportion of a user payment card number, or a user ID (such as an emailaddress) as a keyword for the database query. For example, the merchantserver may issue PHP/SQL commands to query a database table (such asFIG. 44, Pay Gateways 4419 h) for a URL of the pay gateway server. Anexample payment gateway address query 4017, substantially in the form ofPHP/SQL commands, is provided below:

<?PHP header(′Content-Type: text/plain′);mysql_connect(“254.93.179.112”,$DBserver,$password); // access databaseserver mysql_select_db(“H-Wallet_DB.SQL”); // select database table tosearch //create query $query = “SELECT paygate_id paygate_addresspaygate_URL paygate_name FROM PayGatewayTable WHERE card_num LIKE ′%′$cardnum”; $result = mysql_query($query); // perform the search querymysql_close(“H-Wallet_DB.SQL”); // close database access ?>

In response, the merchant/acquirer database may provide the requestedpayment gateway address, e.g., 4018. The merchant server may forward thecard authorization request to the pay gateway server using the providedaddress, e.g., 4019. In some embodiments, upon receiving the cardauthorization request from the merchant server, the pay gateway servermay invoke a component to provide one or more services associated withpurchase transaction authorization. For example, the pay gateway servermay invoke components for fraud prevention, loyalty and/or rewards,and/or other services for which the user-merchant combination isauthorized. The pay gateway server may forward the card authorizationrequest to a pay network server, e.g., 4005 a, for payment processing.For example, the pay gateway server may be able to select from paymentnetworks, such as Visa, MasterCard, American Express, Paypal, etc., toprocess various types of transactions including, but not limited to:credit card, debit card, prepaid card, B2B and/or like transactions. Insome embodiments, the pay gateway server may query a database, e.g., paygateway database 4004 b, for a network address of the payment networkserver, for example by using a portion of a user payment card number, ora user ID (such as an email address) as a keyword for the databasequery. For example, the pay gateway server may issue PHP/SQL commands toquery a database table (such as FIG. 44, Pay Gateways 4419 h) for a URLof the pay network server. An example payment network address query4021, substantially in the form of PHP/SQL commands, is provided below:

<?PHP header(′Content-Type: text/plain′);mysql_connect(“254.93.179.112”,$DBserver,$password); // access databaseserver mysql_select_db(“WIVD_DB.SQL”); // select database table tosearch //create query $query = “SELECT payNET_id payNET_addresspayNET_URL payNET_name FROM PayGatewayTable WHERE card_num LIKE ′%′$cardnum”; $result = mysql_query($query); // perform the search querymysql_close(“WIVD_DB.SQL”); // close database access ?>

In response, the payment gateway database may provide the requestedpayment network address, e.g., 4022. The pay gateway server may forwardthe card authorization request to the pay network server using theprovided address, e.g., 4023.

With reference to FIG. 40B, in some embodiments, the pay network servermay process the transaction so as to transfer funds for the purchaseinto an account stored on an acquirer of the merchant. For example, theacquirer may be a financial institution maintaining an account of themerchant. For example, the proceeds of transactions processed by themerchant may be deposited into an account maintained by at a server ofthe acquirer.

In some embodiments, the pay network server may generate a query, e.g.,4024, for issuer server(s) corresponding to the user-selected paymentoptions. For example, the user's account may be linked to one or moreissuer financial institutions (“issuers”), such as banking institutions,which issued the account(s) for the user. For example, such accounts mayinclude, but not be limited to: credit card, debit card, prepaid card,checking, savings, money market, certificates of deposit, stored (cash)value accounts and/or the like. Issuer server(s), e.g., 4006 a, of theissuer(s) may maintain details of the user's account(s). In someembodiments, a database, e.g., pay network database 4005 b, may storedetails of the issuer server(s) associated with the issuer(s). In someembodiments, the pay network server may query a database, e.g., paynetwork database 4005 b, for a network address of the issuer(s)server(s), for example by using a portion of a user payment card number,or a user ID (such as an email address) as a keyword for the databasequery. For example, the merchant server may issue PHP/SQL commands toquery a database table (such as FIG. 44, Issuers 4419 f) for networkaddress(es) of the issuer(s) server(s). An example issuer serveraddress(es) query 4024, substantially in the form of PHP/SQL commands,is provided below:

<?PHP header(′Content-Type: text/plain′);mysql_connect(“254.93.179.112”,$DBserver,$password); // access databaseserver mysql_select_db(“WIVD_DB.SQL”); // select database table tosearch //create query $query = “SELECT issuer_id issuer_addressissuer_URL issuer_name FROM IssuersTable WHERE card_num LIKE ′%′$cardnum”; $result = mysql_query($query); // perform the search querymysql_close(“WIVD_DB.SQL”); // close database access ?>

In response to obtaining the issuer server query, e.g., 4024, the paynetwork database may provide, e.g., 4025, the requested issuer serverdata to the pay network server. In some embodiments, the pay networkserver may utilize the issuer server data to generate fundsauthorization request(s), e.g., 4026, for each of the issuer server(s)selected based on the pre-defined payment settings associated with theuser's virtual wallet, and/or the user's payment options input, andprovide the funds authorization request(s) to the issuer server(s). Insome embodiments, the funds authorization request(s) may include detailssuch as, but not limited to: the costs to the user involved in thetransaction, card account details of the user, user billing and/orshipping information, and/or the like. An example listing of a fundsauthorization request 4026, substantially in the form of a HTTP(S) POSTmessage including XML-formatted data, is provided below:

POST /fundsauthorizationrequest.php HTTP/1.1 Host: www.issuer.comContent-Type: Application/XML Content-Length: 624 <?XML version = “1.0”encoding = “UTF-8”?> <funds_authorization_request><query_ID>VNEI39FK</query_ID> <timestamp>2011-02-22 15:22:44</timestamp><transaction_cost>$22.61</transaction_cost> <account_params><account_type>checking</account_type><account_num>1234567890123456</account_num> </account_params><!--optional parameters--> <purchase_summary><num_products>1</num_products> <product> <product_summary>Book - XML fordummies</product_summary> <product_quantity>1</product_quantity?</product> </purchase_summary> <merchant_params><merchant_id>3FBCR4INC</merchant_id> <merchant_name>Books & Things,Inc.</merchant_name><merchant_auth_key>1NNF484MCP59CHB27365</merchant_auth_key></merchant_params> </funds_authorization_request>

In some embodiments, an issuer server may parse the authorizationrequest(s), and based on the request details may query a database, e.g.,user profile database 4006 b, for data associated with an account linkedto the user. For example, the merchant server may issue PHP/SQL commandsto query a database table (such as FIG. 44, Accounts 4419 d) for useraccount(s) data. An example user account(s) query 4027, substantially inthe form of PHP/SQL commands, is provided below:

<?PHP header(′Content-Type: text/plain′);mysql_connect(“254.93.179.112”,$DBserver,$password); // access databaseserver mysql_select_db(“WIVD_DB.SQL”); // select database table tosearch //create query $query = “SELECT issuer user_id user_nameuser_balance account_type FROM AccountsTable WHERE account_num LIKE ′%′$accountnum”; $result = mysql_query($query); // perform the search querymysql_close(“WIVD_DB.SQL”); // close database access ?>

In some embodiments, on obtaining the user account(s) data, e.g., 4028,the issuer server may determine whether the user can pay for thetransaction using funds available in the account, 4029. For example, theissuer server may determine whether the user has a sufficient balanceremaining in the account, sufficient credit associated with the account,and/or the like. Based on the determination, the issuer server(s) mayprovide a funds authorization response, e.g., 4030, to the pay networkserver. For example, the issuer server(s) may provide a HTTP(S) POSTmessage similar to the examples above. In some embodiments, if at leastone issuer server determines that the user cannot pay for thetransaction using the funds available in the account, the pay networkserver may request payment options again from the user (e.g., byproviding an authorization fail message to the user device andrequesting the user device to provide new payment options), andre-attempt authorization for the purchase transaction. In someembodiments, if the number of failed authorization attempts exceeds athreshold, the pay network server may abort the authorization process,and provide an “authorization fail” message to the merchant server, userdevice and/or client.

In some embodiments, the pay network server may obtain the fundsauthorization response including a notification of successfulauthorization, and parse the message to extract authorization details.Upon determining that the user possesses sufficient funds for thetransaction, e.g., 4031, the pay network server may invoke a componentto provide value-add services for the user.

In some embodiments, the pay network server may generate a transactiondata record from the authorization request and/or authorizationresponse, and store the details of the transaction and authorizationrelating to the transaction in a transactions database. For example, thepay network server may issue PHP/SQL commands to store the data to adatabase table (such as FIG. 44, Transactions 4419 i). An exampletransaction store command, substantially in the form of PHP/SQLcommands, is provided below:

<?PHP header(′Content-Type: text/plain′);mysql_connect(″254.92.185.103”,$DBserver,$password); // access databaseserver mysql_select(″H-Wallet_DB.SQL″); // select database to appendmysql_query(“INSERT INTO TransactionsTable (PurchasesTable (timestamp,purchase_summary_list, num_products, product_summary, product_quantity,transaction_cost, account_params_list, account_name, account_type,account_num, billing_addres, zipcode, phone, sign, merchant_params_list,merchant_id, merchant_name, merchant_auth_key) VALUES (time( ),$purchase_summary_list, $num_products, $product_summary,$product_quantity, $transaction_cost, $account_params_list,$account_name, $account_type, $account_num, $billing_addres, $zipcode,$phone, $sign, $merchant_params_list, $merchant_id, $merchant_name,$merchant_auth_key)”); // add data to table in databasemysql_close(″H-Wallet_DB.SQL″); // close connection to database ?>

In some embodiments, the pay network server may forward a transactionauthorization response, e.g., 4032, to the user wallet device, PoSclient, and/or merchant server. The merchant may obtain the transactionauthorization response, and determine from it that the user possessessufficient funds in the card account to conduct the transaction. Themerchant server may add a record of the transaction for the user to abatch of transaction data relating to authorized transactions. Forexample, the merchant may append the XML data pertaining to the usertransaction to an XML data file comprising XML data for transactionsthat have been authorized for various users, e.g., 4033, and store theXML data file, e.g., 4034, in a database, e.g., merchant database 404.For example, a batch XML data file may be structured similar to theexample XML data structure template provided below:

<?XML version = “1.0” encoding = “UTF-8”?> <merchant_data><merchant_id>3FBCR4INC</merchant_id> <merchant_name>Books & Things,Inc.</merchant_name><merchant_auth_key>1NNF484MCP59CHB27365</merchant_auth_key><account_number>123456789</account_number> </merchant_data><transaction_data> <transaction 1> ... </transaction 1> <transaction 2>... </transaction 2> . . . <transaction n> ... </transaction n></transaction_data>

In some embodiments, the server may also generate a purchase receipt,e.g., 4033, and provide the purchase receipt to the client, e.g., 4035.The client may render and display, e.g., 4036, the purchase receipt forthe user. In some embodiments, the user's wallet device may also providea notification of successful authorization to the user. For example, thePoS client/user device may render a webpage, electronic message,text/SMS message, buffer a voicemail, emit a ring tone, and/or play anaudio message, etc., and provide output including, but not limited to:sounds, music, audio, video, images, tactile feedback, vibration alerts(e.g., on vibration-capable client devices such as a smartphone etc.),and/or the like.

FIGS. 41A-B show logic flow diagrams illustrating example aspects ofpurchase transaction authorization in some embodiments of the WIVD,e.g., a Purchase Transaction Authorization (“PTA”) component 4100. Withreference to FIG. 41A, in some embodiments, a user may wish to utilize avirtual wallet account to purchase a product, service, offering, and/orthe like (“product”), from a merchant via a merchant online site or inthe merchant's store. The user may utilize a physical card, or a userwallet device to access the user's virtual wallet account. For example,the user wallet device may be a personal/laptop computer, cellulartelephone, smartphone, tablet, eBook reader, netbook, gaming console,and/or the like. The user may provide a wallet access input, e.g., 4101,into the user wallet device. In various embodiments, the user input mayinclude, but not be limited to: a single tap (e.g., a one-tap mobile apppurchasing embodiment) of a touch screen interface, keyboard entry, cardswipe, activating a RFID/NFC enabled hardware device (e.g., electroniccard having multiple accounts, smartphone, tablet, etc.) within the userdevice, mouse clicks, depressing buttons on a joystick/game console,voice commands, single/multi-touch gestures on a touch-sensitiveinterface, touching user interface elements on a touch-sensitivedisplay, and/or the like. In some embodiments, the user wallet devicemay authenticate the user based on the user's wallet access input, andprovide virtual wallet features for the user, e.g., 4102-4103.

In some embodiments, upon authenticating the user for access to virtualwallet features, the user wallet device may provide a transactionauthorization input, e.g., 4104, to a point-of-sale (“PoS”) client. Forexample, the user wallet device may communicate with the PoS client viaBluetooth, Wi-Fi, cellular communication, one- or two-way near-fieldcommunication (“NFC”), and/or the like. In embodiments where the userutilizes a plastic card instead of the user wallet device, the user mayswipe the plastic card at the PoS client to transfer information fromthe plastic card into the PoS client. In embodiments where the userutilizes a user wallet device, the user wallet device may providepayment information to the PoS client, formatted according to a dataformatting protocol appropriate to the communication mechanism employedin the communication between the user wallet device and the PoS client.

In some embodiments, the PoS client may obtain the transactionauthorization input, and parse the input to extract payment informationfrom the transaction authorization input, e.g., 4105. For example, thePoS client may utilize a parser, such as the example parsers providedbelow in the discussion with reference to FIG. 44. The PoS client maygenerate a card authorization request, e.g., 4106, using the obtainedtransaction authorization input from the user wallet device, and/orproduct/checkout data (see, e.g., FIG. 38, 3815-3817).

In some embodiments, the PoS client may provide the generated cardauthorization request to the merchant server. The merchant server mayforward the card authorization request to a pay gateway server, forrouting the card authorization request to the appropriate paymentnetwork for payment processing. For example, the pay gateway server maybe able to select from payment networks, such as Visa, MasterCard,American Express, Paypal, etc., to process various types of transactionsincluding, but not limited to: credit card, debit card, prepaid card,B2B and/or like transactions. In some embodiments, the merchant servermay query a database, e.g., 4108, for a network address of the paymentgateway server, for example by using a portion of a user payment cardnumber, or a user ID (such as an email address) as a keyword for thedatabase query. In response, the merchant/acquirer database may providethe requested payment gateway address, e.g., 4110. The merchant servermay forward the card authorization request to the pay gateway serverusing the provided address. In some embodiments, upon receiving the cardauthorization request from the merchant server, the pay gateway servermay invoke a component to provide one or more service associated withpurchase transaction authorization, e.g., 4111. For example, the paygateway server may invoke components for fraud prevention (see e.g.,VerifyChat, FIG. 3E), loyalty and/or rewards, and/or other services forwhich the user-merchant combination is authorized.

The pay gateway server may forward the card authorization request to apay network server for payment processing, e.g., 4114. For example, thepay gateway server may be able to select from payment networks, such asVisa, MasterCard, American Express, Paypal, etc., to process varioustypes of transactions including, but not limited to: credit card, debitcard, prepaid card, B2B and/or like transactions. In some embodiments,the pay gateway server may query a database, e.g., 4112, for a networkaddress of the payment network server, for example by using a portion ofa user payment card number, or a user ID (such as an email address) as akeyword for the database query. In response, the payment gatewaydatabase may provide the requested payment network address, e.g., 4113.The pay gateway server may forward the card authorization request to thepay network server using the provided address, e.g., 4114.

With reference to FIG. 41B, in some embodiments, the pay network servermay process the transaction so as to transfer funds for the purchaseinto an account stored on an acquirer of the merchant. For example, theacquirer may be a financial institution maintaining an account of themerchant. For example, the proceeds of transactions processed by themerchant may be deposited into an account maintained by at a server ofthe acquirer. In some embodiments, the pay network server may generate aquery, e.g., 4115, for issuer server(s) corresponding to theuser-selected payment options. For example, the user's account may belinked to one or more issuer financial institutions (“issuers”), such asbanking institutions, which issued the account(s) for the user. Forexample, such accounts may include, but not be limited to: credit card,debit card, prepaid card, checking, savings, money market, certificatesof deposit, stored (cash) value accounts and/or the like. Issuerserver(s) of the issuer(s) may maintain details of the user'saccount(s). In some embodiments, a database, e.g., a pay networkdatabase, may store details of the issuer server(s) associated with theissuer(s). In some embodiments, the pay network server may query adatabase, e.g., 4115, for a network address of the issuer(s) server(s),for example by using a portion of a user payment card number, or a userID (such as an email address) as a keyword for the database query.

In response to obtaining the issuer server query, the pay networkdatabase may provide, e.g., 4116, the requested issuer server data tothe pay network server. In some embodiments, the pay network server mayutilize the issuer server data to generate funds authorizationrequest(s), e.g., 4117, for each of the issuer server(s) selected basedon the pre-defined payment settings associated with the user's virtualwallet, and/or the user's payment options input, and provide the fundsauthorization request(s) to the issuer server(s). In some embodiments,the funds authorization request(s) may include details such as, but notlimited to: the costs to the user involved in the transaction, cardaccount details of the user, user billing and/or shipping information,and/or the like. In some embodiments, an issuer server may parse theauthorization request(s), e.g., 4118, and based on the request detailsmay query a database, e.g., 4119, for data associated with an accountlinked to the user.

In some embodiments, on obtaining the user account(s) data, e.g., 4120,the issuer server may determine whether the user can pay for thetransaction using funds available in the account, e.g., 4121. Forexample, the issuer server may determine whether the user has asufficient balance remaining in the account, sufficient creditassociated with the account, and/or the like. Based on thedetermination, the issuer server(s) may provide a funds authorizationresponse, e.g., 4122, to the pay network server. In some embodiments, ifat least one issuer server determines that the user cannot pay for thetransaction using the funds available in the account, the pay networkserver may request payment options again from the user (e.g., byproviding an authorization fail message to the user device andrequesting the user device to provide new payment options), andre-attempt authorization for the purchase transaction. In someembodiments, if the number of failed authorization attempts exceeds athreshold, the pay network server may abort the authorization process,and provide an “authorization fail” message to the merchant server, userdevice and/or client.

In some embodiments, the pay network server may obtain the fundsauthorization response including a notification of successfulauthorization, and parse the message to extract authorization details.Upon determining that the user possesses sufficient funds for thetransaction, e.g., 4123, the pay network server may invoke a componentto provide value-add services for the user, e.g., 4123.

In some embodiments, the pay network server may forward a transactionauthorization response to the user wallet device, PoS client, and/ormerchant server. The merchant may parse, e.g., 4124, the transactionauthorization response, and determine from it that the user possessessufficient funds in the card account to conduct the transaction, e.g.,4125, option “Yes.” The merchant server may add a record of thetransaction for the user to a batch of transaction data relating toauthorized transactions. For example, the merchant may append the XMLdata pertaining to the user transaction to an XML data file comprisingXML data for transactions that have been authorized for various users,e.g., 4126, and store the XML data file, e.g., 4127, in a database. Insome embodiments, the server may also generate a purchase receipt, e.g.,4128, and provide the purchase receipt to the client. The client mayrender and display, e.g., 4129, the purchase receipt for the user. Insome embodiments, the user's wallet device may also provide anotification of successful authorization to the user. For example, thePoS client/user device may render a webpage, electronic message, text/SMS message, buffer a voicemail, emit a ring tone, and/or play an audiomessage, etc., and provide output including, but not limited to: sounds,music, audio, video, images, tactile feedback, vibration alerts (e.g.,on vibration-capable client devices such as a smartphone etc.), and/orthe like.

FIGS. 42A-B show data flow diagrams illustrating an example purchasetransaction clearance procedure in some embodiments of the WIVD. Withreference to FIG. 42A, in some embodiments, a merchant server, e.g.,4203 a, may initiate clearance of a batch of authorized transactions.For example, the merchant server may generate a batch data request,e.g., 4211, and provide the request, to a merchant database, e.g., 4203b. For example, the merchant server may utilize PHP/SQL commands similarto the examples provided above to query a relational database. Inresponse to the batch data request, the database may provide therequested batch data, e.g., 4212. The server may generate a batchclearance request, e.g., 4213, using the batch data obtained from thedatabase, and provide, e.g., 4214, the batch clearance request to anacquirer server, e.g., 4207 a. For example, the merchant server mayprovide a HTTP(S) POST message including XML-formatted batch data in themessage body for the acquirer server. The acquirer server may generate,e.g., 4215, a batch payment request using the obtained batch clearancerequest, and provide, e.g., 4218, the batch payment request to the paynetwork server, e.g., 4205 a. The pay network server may parse the batchpayment request, and extract the transaction data for each transactionstored in the batch payment request, e.g., 4219. The pay network servermay store the transaction data, e.g., 4220, for each transaction in adatabase, e.g., pay network database 4205 b. In some embodiments, thepay network server may invoke a component to provide value-add analyticsservices based on analysis of the transactions of the merchant for whomthe WIVD is clearing purchase transactions. Thus, in some embodiments,the pay network server may provide analytics-based value-added servicesfor the merchant and/or the merchant's users.

With reference to FIG. 42B, in some embodiments, for each extractedtransaction, the pay network server may query, e.g., 4223, a database,e.g., pay network database 4205 b, for an address of an issuer server.For example, the pay network server may utilize PHP/SQL commands similarto the examples provided above. The pay network server may generate anindividual payment request, e.g., 4225, for each transaction for whichit has extracted transaction data, and provide the individual paymentrequest, e.g., 4225, to the issuer server, e.g., 4206 a. For example,the pay network server may provide an individual payment request to theissuer server(s) as a HTTP(S) POST message including XML-formatted data.An example listing of an individual payment request 4225, substantiallyin the form of a HTTP(S) POST message including XML-formatted data, isprovided below:

POST /paymentrequest.php HTTP/1.1 Host: www.issuer.com Content-Type:Application/XML Content-Length: 788 <?XML version = “1.0” encoding =“UTF-8”?> <pay_request> <request_ID>CNI4ICNW2</request_ID><timestamp>2011-02-22 17:00:01</timestamp><pay_amount>$34.78</pay_amount> <account_params> <account_name>John Q.Public</account_name> <account_type>credit</account_type><account_num>123456789012345</account_num> <billing_address>123 GreenSt., Norman, OK 98765</billing_address> <phone>123-456-7809</phone><sign>/jqp/</sign> </account_params> <merchant_params><merchant_id>3FBCR4INC</merchant_id> <merchant_name>Books & Things,Inc.</merchant_name><merchant_auth_key>1NNF484MCP59CHB27365</merchant_auth_key></merchant_params> <purchase_summary> <num_products>1</num_products><product> <product_summary>Book - XML for dummies</product_summary><product_quantity>1</product_quantity? </product> </purchase_summary></pay_request>

In some embodiments, the issuer server may generate a payment command,e.g., 4227. For example, the issuer server may issue a command to deductfunds from the user's account (or add a charge to the user's credit cardaccount). The issuer server may issue a payment command, e.g., 4227, toa database storing the user's account information, e.g., user profiledatabase 4206 b. The issuer server may provide an individual paymentconfirmation, e.g., 4228, to the pay network server, which may forward,e.g., 4229, the funds transfer message to the acquirer server. Anexample listing of an individual payment confirmation 4228,substantially in the form of a HTTP(S) POST message includingXML-formatted data, is provided below:

POST /clearance.php HTTP/1.1 Host: www.acquirer.com Content-Type:Application/XML Content-Length: 206 <?XML version = “1.0” encoding =“UTF-8”?> <deposit_ack> <request_ID>CNI4ICNW2</request_ID><clear_flag>true</clear_flag> <timestamp>2011-02-22 17:00:02</timestamp><deposit_amount>$34.78</deposit_amount> </deposit_ack>

In some embodiments, the acquirer server may parse the individualpayment confirmation, and correlate the transaction (e.g., using therequest_ID field in the example above) to the merchant. The acquirerserver may then transfer the funds specified in the funds transfermessage to an account of the merchant. For example, the acquirer servermay query, e.g. 4230, an acquirer database 4207 b for payment ledgerand/or merchant account data, e.g., 4231. The acquirer server mayutilize payment ledger and/or merchant account data from the acquirerdatabase, along with the individual payment confirmation, to generateupdated payment ledger and/or merchant account data, e.g., 4232. Theacquirer server may then store, e.g., 4233, the updated payment ledgerand/or merchant account data to the acquire database.

FIGS. 43A-B show logic flow diagrams illustrating example aspects ofpurchase transaction clearance in some embodiments of the WIVD, e.g., aPurchase Transaction Clearance (“PTC”) component 4300. With reference toFIG. 43A, in some embodiments, a merchant server may initiate clearanceof a batch of authorized transactions. For example, the merchant servermay generate a batch data request, e.g., 4301, and provide the requestto a merchant database. In response to the batch data request, thedatabase may provide the requested batch data, e.g., 4302. The servermay generate a batch clearance request, e.g., 4303, using the batch dataobtained from the database, and provide the batch clearance request toan acquirer server. The acquirer server may parse, e.g., 4304, theobtained batch clearance request, and generate, e.g., 4307, a batchpayment request using the obtained batch clearance request to provide,the batch payment request to a pay network server. For example, theacquirer server may query, e.g., 4305, an acquirer database for anaddress of a payment network server, and utilize the obtained address,e.g., 4306, to forward the generated batch payment request to the paynetwork server.

The pay network server may parse the batch payment request obtained fromthe acquirer server, and extract the transaction data for eachtransaction stored in the batch payment request, e.g., 4308. The paynetwork server may store the transaction data, e.g., 4309, for eachtransaction in a pay network database. In some embodiments, the paynetwork server may invoke a component, e.g., 4310, to provide analyticsbased on the transactions of the merchant for whom purchase transactionare being cleared.

With reference to FIG. 43B, in some embodiments, for each extractedtransaction, the pay network server may query, e.g., 4311, a pay networkdatabase for an address of an issuer server. The pay network server maygenerate an individual payment request, e.g., 4313, for each transactionfor which it has extracted transaction data, and provide the individualpayment request to the issuer server. In some embodiments, the issuerserver may parse the individual payment request, e.g., 4314, andgenerate a payment command, e.g., 4315, based on the parsed individualpayment request. For example, the issuer server may issue a command todeduct funds from the user's account (or add a charge to the user'scredit card account). The issuer server may issue a payment command,e.g., 4315, to a database storing the user's account information, e.g.,a user profile database. The issuer server may provide an individualpayment confirmation, e.g., 4317, to the pay network server, which mayforward, e.g., 4318, the individual payment confirmation to the acquirerserver.

In some embodiments, the acquirer server may parse the individualpayment confirmation, and correlate the transaction (e.g., using therequest_ID field in the example above) to the merchant. The acquirerserver may then transfer the funds specified in the funds transfermessage to an account of the merchant. For example, the acquirer servermay query, e.g. 4319, an acquirer database for payment ledger and/ormerchant account data, e.g., 4320. The acquirer server may utilizepayment ledger and/or merchant account data from the acquirer database,along with the individual payment confirmation, to generate updatedpayment ledger and/or merchant account data, e.g., 4321. The acquirerserver may then store, e.g., 4322, the updated payment ledger and/ormerchant account data to the acquire database.

WIVD Controller

FIG. 44 shows a block diagram illustrating embodiments of a WIVDcontroller 4401. In this embodiment, the WIVD controller 4401 may serveto aggregate, process, store, search, serve, identify, instruct,generate, match, and/or facilitate interactions with a computer throughvarious technologies, and/or other related data.

Typically, users, e.g., 4433 a, which may be people and/or othersystems, may engage information technology systems (e.g., computers) tofacilitate information processing. In turn, computers employ processorsto process information; such processors 4403 may be referred to ascentral processing units (CPU). One form of processor is referred to asa microprocessor. CPUs use communicative circuits to pass binary encodedsignals acting as instructions to enable various operations. Theseinstructions may be operational and/or data instructions containingand/or referencing other instructions and data in various processoraccessible and operable areas of memory 4429 (e.g., registers, cachememory, random access memory, etc.). Such communicative instructions maybe stored and/or transmitted in batches (e.g., batches of instructions)as programs and/or data components to facilitate desired operations.These stored instruction codes, e.g., programs, may engage the CPUcircuit components and other motherboard and/or system components toperform desired operations. One type of program is a computer operatingsystem, which, may be executed by CPU on a computer; the operatingsystem enables and facilitates users to access and operate computerinformation technology and resources. Some resources that may beemployed in information technology systems include: input and outputmechanisms through which data may pass into and out of a computer;memory storage into which data may be saved; and processors by whichinformation may be processed. These information technology systems maybe used to collect data for later retrieval, analysis, and manipulation,which may be facilitated through a database program. These informationtechnology systems provide interfaces that allow users to access andoperate various system components.

In one embodiment, the WIVD controller 4401 may be connected to and/orcommunicate with entities such as, but not limited to: one or more usersfrom user input devices 4411; peripheral devices 4412; an optionalcryptographic processor device 4428; and/or a communications network4413. For example, the WIVD controller 4401 may be connected to and/orcommunicate with users, e.g., 4433 a, operating client device(s), e.g.,4433 b, including, but not limited to, personal computer(s), server(s)and/or various mobile device(s) including, but not limited to, cellulartelephone(s), smartphone(s) (e.g., iPhone®, Blackberry®, AndroidOS-based phones etc.), tablet computer(s) (e.g., Apple iPad™, HP Slate™,Motorola Xoom™, etc.), eBook reader(s) (e.g., Amazon Kindle™, Barnes andNoble's Nook™ eReader, etc.), laptop computer(s), notebook(s),netbook(s), gaming console(s) (e.g., XBOX Live™, Nintendo® DS, SonyPlayStation® Portable, etc.), portable scanner(s), and/or the like.

Networks are commonly thought to comprise the interconnection andinteroperation of clients, servers, and intermediary nodes in a graphtopology. It should be noted that the term “server” as used throughoutthis application refers generally to a computer, other device, program,or combination thereof that processes and responds to the requests ofremote users across a communications network. Servers serve theirinformation to requesting “clients.” The term “client” as used hereinrefers generally to a computer, program, other device, user and/orcombination thereof that is capable of processing and making requestsand obtaining and processing any responses from servers across acommunications network. A computer, other device, program, orcombination thereof that facilitates, processes information andrequests, and/or furthers the passage of information from a source userto a destination user is commonly referred to as a “node.” Networks aregenerally thought to facilitate the transfer of information from sourcepoints to destinations. A node specifically tasked with furthering thepassage of information from a source to a destination is commonly calleda “router.” There are many forms of networks such as Local Area Networks(LANs), Pico networks, Wide Area Networks (WANs), Wireless Networks(WLANs), etc. For example, the Internet is generally accepted as beingan interconnection of a multitude of networks whereby remote clients andservers may access and interoperate with one another.

The WIVD controller 4401 may be based on computer systems that maycomprise, but are not limited to, components such as: a computersystemization 4402 connected to memory 4429.

Computer Systemization

A computer systemization 4402 may comprise a clock 4430, centralprocessing unit (“CPU(s)” and/or “processor(s)” (these terms are usedinterchangeable throughout the disclosure unless noted to the contrary))4403, a memory 4429 (e.g., a read only memory (ROM) 4406, a randomaccess memory (RAM) 4405, etc.), and/or an interface bus 4407, and mostfrequently, although not necessarily, are all interconnected and/orcommunicating through a system bus 4404 on one or more (mother)board(s)4402 having conductive and/or otherwise transportive circuit pathwaysthrough which instructions (e.g., binary encoded signals) may travel toeffectuate communications, operations, storage, etc. The computersystemization may be connected to a power source 4486; e.g., optionallythe power source may be internal. Optionally, a cryptographic processor4426 and/or transceivers (e.g., ICs) 4474 may be connected to the systembus. In another embodiment, the cryptographic processor and/ortransceivers may be connected as either internal and/or externalperipheral devices 4412 via the interface bus I/O. In turn, thetransceivers may be connected to antenna(s) 4475, thereby effectuatingwireless transmission and reception of various communication and/orsensor protocols; for example the antenna(s) may connect to: a TexasInstruments WiLink WL1283 transceiver chip (e.g., providing 802.11n,Bluetooth 3.0, FM, global positioning system (GPS) (thereby allowingWIVD controller to determine its location)); Broadcom BCM4329FKUBGtransceiver chip (e.g., providing 802.11n, Bluetooth 2.1+EDR, FM, etc.);a Broadcom BCM4750IUB8 receiver chip (e.g., GPS); an InfineonTechnologies X-Gold 618-PMB9800 (e.g., providing 2G/3G HSDPA/HSUPAcommunications); and/or the like. The system clock typically has acrystal oscillator and generates a base signal through the computersystemization's circuit pathways. The clock is typically coupled to thesystem bus and various clock multipliers that will increase or decreasethe base operating frequency for other components interconnected in thecomputer systemization. The clock and various components in a computersystemization drive signals embodying information throughout the system.Such transmission and reception of instructions embodying informationthroughout a computer systemization may be commonly referred to ascommunications. These communicative instructions may further betransmitted, received, and the cause of return and/or replycommunications beyond the instant computer systemization to:communications networks, input devices, other computer systemizations,peripheral devices, and/or the like. It should be understood that inalternative embodiments, any of the above components may be connecteddirectly to one another, connected to the CPU, and/or organized innumerous variations employed as exemplified by various computer systems.

The CPU comprises at least one high-speed data processor adequate toexecute program components for executing user and/or system-generatedrequests. Often, the processors themselves will incorporate variousspecialized processing units, such as, but not limited to: integratedsystem (bus) controllers, memory management control units, floatingpoint units, and even specialized processing sub-units like graphicsprocessing units, digital signal processing units, and/or the like.Additionally, processors may include internal fast access addressablememory, and be capable of mapping and addressing memory 4429 beyond theprocessor itself; internal memory may include, but is not limited to:fast registers, various levels of cache memory (e.g., level 1, 2, 3,etc.), RAM, etc. The processor may access this memory through the use ofa memory address space that is accessible via instruction address, whichthe processor can construct and decode allowing it to access a circuitpath to a specific memory address space having a memory state. The CPUmay be a microprocessor such as: AMD's Athlon, Duron and/or Opteron;ARM's application, embedded and secure processors; IBM and/or Motorola'sDragonBall and PowerPC; IBM's and Sony's Cell processor; Intel'sCeleron, Core (2) Duo, Itanium, Pentium, Xeon, and/or XScale; and/or thelike processor(s). The CPU interacts with memory through instructionpassing through conductive and/or transportive conduits (e.g., (printed)electronic and/or optic circuits) to execute stored instructions (i.e.,program code) according to conventional data processing techniques. Suchinstruction passing facilitates communication within the WIVD controllerand beyond through various interfaces. Should processing requirementsdictate a greater amount speed and/or capacity, distributed processors(e.g., Distributed WIVD), mainframe, multi-core, parallel, and/orsuper-computer architectures may similarly be employed. Alternatively,should deployment requirements dictate greater portability, smallerPersonal Digital Assistants (PDAs) may be employed.

Depending on the particular implementation, features of the WIVD may beachieved by implementing a microcontroller such as CAST's R8051XC2microcontroller; Intel's MCS 51 (i.e., 8051 microcontroller); and/or thelike. Also, to implement certain features of the WIVD, some featureimplementations may rely on embedded components, such as:Application-Specific Integrated Circuit (“ASIC”), Digital SignalProcessing (“DSP”), Field Programmable Gate Array (“FPGA”), and/or thelike embedded technology. For example, any of the WIVD componentcollection (distributed or otherwise) and/or features may be implementedvia the microprocessor and/or via embedded components; e.g., via ASIC,coprocessor, DSP, FPGA, and/or the like. Alternately, someimplementations of the WIVD may be implemented with embedded componentsthat are configured and used to achieve a variety of features or signalprocessing.

Depending on the particular implementation, the embedded components mayinclude software solutions, hardware solutions, and/or some combinationof both hardware/software solutions. For example, WIVD featuresdiscussed herein may be achieved through implementing FPGAs, which are asemiconductor devices containing programmable logic components called“logic blocks”, and programmable interconnects, such as the highperformance FPGA Virtex series and/or the low cost Spartan seriesmanufactured by Xilinx. Logic blocks and interconnects can be programmedby the customer or designer, after the FPGA is manufactured, toimplement any of the WIVD features. A hierarchy of programmableinterconnects allow logic blocks to be interconnected as needed by theWIVD system designer/administrator, somewhat like a one-chipprogrammable breadboard. An FPGA's logic blocks can be programmed toperform the operation of basic logic gates such as AND, and XOR, or morecomplex combinational operators such as decoders or simple mathematicaloperations. In most FPGAs, the logic blocks also include memoryelements, which may be circuit flip-flops or more complete blocks ofmemory. In some circumstances, the WIVD may be developed on regularFPGAs and then migrated into a fixed version that more resembles ASICimplementations. Alternate or coordinating implementations may migrateWIVD controller features to a final ASIC instead of or in addition toFPGAs. Depending on the implementation all of the aforementionedembedded components and microprocessors may be considered the “CPU”and/or “processor” for the WIVD.

Power Source

The power source 4486 may be of any standard form for powering smallelectronic circuit board devices such as the following power cells:alkaline, lithium hydride, lithium ion, lithium polymer, nickel cadmium,solar cells, and/or the like. Other types of AC or DC power sources maybe used as well. In the case of solar cells, in one embodiment, the caseprovides an aperture through which the solar cell may capture photonicenergy. The power cell 4486 is connected to at least one of theinterconnected subsequent components of the WIVD thereby providing anelectric current to all subsequent components. In one example, the powersource 4486 is connected to the system bus component 4404. In analternative embodiment, an outside power source 4486 is provided througha connection across the I/O 4408 interface. For example, a USB and/orIEEE 1394 connection carries both data and power across the connectionand is therefore a suitable source of power.

Interface Adapters

Interface bus(ses) 4407 may accept, connect, and/or communicate to anumber of interface adapters, conventionally although not necessarily inthe form of adapter cards, such as but not limited to: input outputinterfaces (I/O) 4408, storage interfaces 4409, network interfaces 4410,and/or the like. Optionally, cryptographic processor interfaces 4427similarly may be connected to the interface bus. The interface busprovides for the communications of interface adapters with one anotheras well as with other components of the computer systemization.Interface adapters are adapted for a compatible interface bus. Interfaceadapters conventionally connect to the interface bus via a slotarchitecture. Conventional slot architectures may be employed, such as,but not limited to: Accelerated Graphics Port (AGP), Card Bus,(Extended) Industry Standard Architecture ((E)ISA), Micro ChannelArchitecture (MCA), NuBus, Peripheral Component Interconnect (Extended)(PCI(X)), PCI Express, Personal Computer Memory Card InternationalAssociation (PCMCIA), and/or the like.

Storage interfaces 4409 may accept, communicate, and/or connect to anumber of storage devices such as, but not limited to: storage devices4414, removable disc devices, and/or the like. Storage interfaces mayemploy connection protocols such as, but not limited to: (Ultra)(Serial) Advanced Technology Attachment (Packet Interface) ((Ultra)(Serial) ATA(PI)), (Enhanced) Integrated Drive Electronics ((E)IDE),Institute of Electrical and Electronics Engineers (IEEE) 1394, fiberchannel, Small Computer Systems Interface (SCSI), Universal Serial Bus(USB), and/or the like.

Network interfaces 4410 may accept, communicate, and/or connect to acommunications network 4413. Through a communications network 4413, theWIVD controller is accessible through remote clients 4433 b (e.g.,computers with web browsers) by users 4433 a. Network interfaces mayemploy connection protocols such as, but not limited to: direct connect,Ethernet (thick, thin, twisted pair 10/100/1000 Base T, and/or thelike), Token Ring, wireless connection such as IEEE 802.11a-x, and/orthe like. Should processing requirements dictate a greater amount speedand/or capacity, distributed network controllers (e.g., DistributedWIVD), architectures may similarly be employed to pool, load balance,and/or otherwise increase the communicative bandwidth required by theWIVD controller. A communications network may be any one and/or thecombination of the following: a direct interconnection; the Internet; aLocal Area Network (LAN); a Metropolitan Area Network (MAN); anOperating Missions as Nodes on the Internet (OMNI); a secured customconnection; a Wide Area Network (WAN); a wireless network (e.g.,employing protocols such as, but not limited to a Wireless ApplicationProtocol (WAP), I-mode, and/or the like); and/or the like. A networkinterface may be regarded as a specialized form of an input outputinterface. Further, multiple network interfaces 4410 may be used toengage with various communications network types 4413. For example,multiple network interfaces may be employed to allow for thecommunication over broadcast, multicast, and/or unicast networks.

Input Output interfaces (I/O) 4408 may accept, communicate, and/orconnect to user input devices 4411, peripheral devices 4412,cryptographic processor devices 4428, and/or the like. I/O may employconnection protocols such as, but not limited to: audio: analog,digital, monaural, RCA, stereo, and/or the like; data: Apple Desktop Bus(ADB), IEEE 1394a-b, serial, universal serial bus (USB); infrared;joystick; keyboard; midi; optical; PC AT; PS/2; parallel; radio; videointerface: Apple Desktop Connector (ADC), BNC, coaxial, component,composite, digital, Digital Visual Interface (DVI), high-definitionmultimedia interface (HDMI), RCA, RF antennae, S-Video, VGA, and/or thelike; wireless transceivers: 802.11a/b/g/n/x; Bluetooth; cellular (e.g.,code division multiple access (CDMA), high speed packet access(HSPA(+)), high-speed downlink packet access (HSDPA), global system formobile communications (GSM), long term evolution (LTE), WiMax, etc.);and/or the like. One typical output device may include a video display,which typically comprises a Cathode Ray Tube (CRT) or Liquid CrystalDisplay (LCD) based monitor with an interface (e.g., DVI circuitry andcable) that accepts signals from a video interface, may be used. Thevideo interface composites information generated by a computersystemization and generates video signals based on the compositedinformation in a video memory frame. Another output device is atelevision set, which accepts signals from a video interface. Typically,the video interface provides the composited video information through avideo connection interface that accepts a video display interface (e.g.,an RCA composite video connector accepting an RCA composite video cable;a DVI connector accepting a DVI display cable, etc.).

User input devices 4411 often are a type of peripheral device 4412 (seebelow) and may include: card readers, dongles, finger print readers,gloves, graphics tablets, joysticks, keyboards, microphones, mouse(mice), remote controls, retina readers, touch screens (e.g.,capacitive, resistive, etc.), trackballs, trackpads, sensors (e.g.,accelerometers, ambient light, GPS, gyroscopes, proximity, etc.),styluses, and/or the like.

Peripheral devices 4412 may be connected and/or communicate to I/Oand/or other facilities of the like such as network interfaces, storageinterfaces, directly to the interface bus, system bus, the CPU, and/orthe like. Peripheral devices may be external, internal and/or part ofthe WIVD controller. Peripheral devices may include: antenna, audiodevices (e.g., line-in, line-out, microphone input, speakers, etc.),cameras (e.g., still, video, webcam, etc.), dongles (e.g., for copyprotection, ensuring secure transactions with a digital signature,and/or the like), external processors (for added capabilities; e.g.,crypto devices 4428), force-feedback devices (e.g., vibrating motors),network interfaces, printers, scanners, storage devices, transceivers(e.g., cellular, GPS, etc.), video devices (e.g., goggles, monitors,etc.), video sources, visors, and/or the like. Peripheral devices ofteninclude types of input devices (e.g., cameras).

It should be noted that although user input devices and peripheraldevices may be employed, the WIVD controller may be embodied as anembedded, dedicated, and/or monitor-less (i.e., headless) device,wherein access would be provided over a network interface connection.

Cryptographic units such as, but not limited to, microcontrollers,processors 4426, interfaces 4427, and/or devices 4428 may be attached,and/or communicate with the WIVD controller. A MC68HC16 microcontroller,manufactured by Motorola Inc., may be used for and/or withincryptographic units. The MC68HC16 microcontroller utilizes a 16-bitmultiply-and-accumulate instruction in the 16 MHz configuration andrequires less than one second to perform a 512-bit RSA private keyoperation. Cryptographic units support the authentication ofcommunications from interacting agents, as well as allowing foranonymous transactions. Cryptographic units may also be configured aspart of the CPU. Equivalent microcontrollers and/or processors may alsobe used. Other commercially available specialized cryptographicprocessors include: the Broadcom's CryptoNetX and other SecurityProcessors; nCipher's nShield, SafeNet's Luna PCI (e.g., 7100) series;Semaphore Communications' 40 MHz Roadrunner 184; Sun's CryptographicAccelerators (e.g., Accelerator 6000 PCIe Board, Accelerator 500Daughtercard); Via Nano Processor (e.g., L2100, L2200, U2400) line,which is capable of performing 500+MB/s of cryptographic instructions;VLSI Technology's 33 MHz 6868; and/or the like.

Memory

Generally, any mechanization and/or embodiment allowing a processor toaffect the storage and/or retrieval of information is regarded as memory4429. However, memory is a fungible technology and resource, thus, anynumber of memory embodiments may be employed in lieu of or in concertwith one another. It is to be understood that the WIVD controller and/ora computer systemization may employ various forms of memory 4429. Forexample, a computer systemization may be configured wherein theoperation of on-chip CPU memory (e.g., registers), RAM, ROM, and anyother storage devices are provided by a paper punch tape or paper punchcard mechanism; however, such an embodiment would result in an extremelyslow rate of operation. In a typical configuration, memory 4429 willinclude ROM 4406, RAM 4405, and a storage device 4414. A storage device4414 may be any conventional computer system storage. Storage devicesmay include a drum; a (fixed and/or removable) magnetic disk drive; amagneto-optical drive; an optical drive (i.e., Blueray, CDROM/RAM/Recordable (R)/ReWritable (RW), DVD R/RW, HD DVD R/RW etc.); anarray of devices (e.g., Redundant Array of Independent Disks (RAID));solid state memory devices (USB memory, solid state drives (SSD), etc.);other processor-readable storage mediums; and/or other devices of thelike. Thus, a computer systemization generally requires and makes use ofmemory.

Component Collection

The memory 4429 may contain a collection of program and/or databasecomponents and/or data such as, but not limited to: operating systemcomponent(s) 4415 (operating system); information server component(s)4416 (information server); user interface component(s) 4417 (userinterface); Web browser component(s) 4418 (Web browser); database(s)4419; mail server component(s) 4421; mail client component(s) 4422;cryptographic server component(s) 4420 (cryptographic server); the WIVDcomponent(s) 4435; and/or the like (i.e., collectively a componentcollection). These components may be stored and accessed from thestorage devices and/or from storage devices accessible through aninterface bus. Although non-conventional program components such asthose in the component collection, typically, are stored in a localstorage device 4414, they may also be loaded and/or stored in memorysuch as: peripheral devices, RAM, remote storage facilities through acommunications network, ROM, various forms of memory, and/or the like.

Operating System

The operating system component 4415 is an executable program componentfacilitating the operation of the WIVD controller. Typically, theoperating system facilitates access of I/O, network interfaces,peripheral devices, storage devices, and/or the like. The operatingsystem may be a highly fault tolerant, scalable, and secure system suchas: Apple Macintosh OS X (Server); AT&T Plan 9; Be OS; Unix andUnix-like system distributions (such as AT&T's UNIX; Berkley SoftwareDistribution (BSD) variations such as FreeBSD, NetBSD, OpenBSD, and/orthe like; Linux distributions such as Red Hat, Ubuntu, and/or the like);and/or the like operating systems. However, more limited and/or lesssecure operating systems also may be employed such as Apple MacintoshOS, IBM OS/2, Microsoft DOS, Microsoft Windows2000/2003/3.1/95/98/CE/Millenium/NT/Vista/XP (Server), Palm OS, and/orthe like. An operating system may communicate to and/or with othercomponents in a component collection, including itself, and/or the like.Most frequently, the operating system communicates with other programcomponents, user interfaces, and/or the like. For example, the operatingsystem may contain, communicate, generate, obtain, and/or provideprogram component, system, user, and/or data communications, requests,and/or responses. The operating system, once executed by the CPU, mayenable the interaction with communications networks, data, I/O,peripheral devices, program components, memory, user input devices,and/or the like. The operating system may provide communicationsprotocols that allow the WIVD controller to communicate with otherentities through a communications network 4413. Various communicationprotocols may be used by the WIVD controller as a subcarrier transportmechanism for interaction, such as, but not limited to: multicast,TCP/IP, UDP, unicast, and/or the like.

Information Server

An information server component 4416 is a stored program component thatis executed by a CPU. The information server may be a conventionalInternet information server such as, but not limited to Apache SoftwareFoundation's Apache, Microsoft's Internet Information Server, and/or thelike. The information server may allow for the execution of programcomponents through facilities such as Active Server Page (ASP), ActiveX,(ANSI) (Objective-) C (++), C# and/or .NET, Common Gateway Interface(CGI) scripts, dynamic (D) hypertext markup language (HTML), FLASH,Java, JavaScript, Practical Extraction Report Language (PERL), HypertextPre-Processor (PHP), pipes, Python, wireless application protocol (WAP),WebObjects, and/or the like. The information server may support securecommunications protocols such as, but not limited to, File TransferProtocol (FTP); HyperText Transfer Protocol (HTTP); Secure HypertextTransfer Protocol (HTTPS), Secure Socket Layer (SSL), messagingprotocols (e.g., America Online (AOL) Instant Messenger (AIM),Application Exchange (APEX), ICQ, Internet Relay Chat (IRC), MicrosoftNetwork (MSN) Messenger Service, Presence and Instant Messaging Protocol(PRIM), Internet Engineering Task Force's (IETF's) Session InitiationProtocol (SIP), SIP for Instant Messaging and Presence LeveragingExtensions (SIMPLE), open XML-based Extensible Messaging and PresenceProtocol (XMPP) (i.e., Jabber or Open Mobile Alliance's (OMA's) InstantMessaging and Presence Service (IMPS)), Yahoo! Instant MessengerService, and/or the like. The information server provides results in theform of Web pages to Web browsers, and allows for the manipulatedgeneration of the Web pages through interaction with other programcomponents. After a Domain Name System (DNS) resolution portion of anHTTP request is resolved to a particular information server, theinformation server resolves requests for information at specifiedlocations on the WIVD controller based on the remainder of the HTTPrequest. For example, a request such ashttp://123.124.125.126/myInformation.html might have the IP portion ofthe request “123.124.125.126”resolved by a DNS server to an informationserver at that IP address; that information server might in turn furtherparse the http request for the “/myInformation.html” portion of therequest and resolve it to a location in memory containing theinformation “myInformation.html.” Additionally, other informationserving protocols may be employed across various ports, e.g., FTPcommunications across port 21, and/or the like. An information servermay communicate to and/or with other components in a componentcollection, including itself, and/or facilities of the like. Mostfrequently, the information server communicates with the WIVD database4419, operating systems, other program components, user interfaces, Webbrowsers, and/or the like.

Access to the WIVD database may be achieved through a number of databasebridge mechanisms such as through scripting languages as enumeratedbelow (e.g., CGI) and through inter-application communication channelsas enumerated below (e.g., CORBA, WebObjects, etc.). Any data requeststhrough a Web browser are parsed through the bridge mechanism intoappropriate grammars as required by the WIVD. In one embodiment, theinformation server would provide a Web form accessible by a Web browser.Entries made into supplied fields in the Web form are tagged as havingbeen entered into the particular fields, and parsed as such. The enteredterms are then passed along with the field tags, which act to instructthe parser to generate queries directed to appropriate tables and/orfields. In one embodiment, the parser may generate queries in standardSQL by instantiating a search string with the proper join/selectcommands based on the tagged text entries, wherein the resulting commandis provided over the bridge mechanism to the WIVD as a query. Upongenerating query results from the query, the results are passed over thebridge mechanism, and may be parsed for formatting and generation of anew results Web page by the bridge mechanism. Such a new results Webpage is then provided to the information server, which may supply it tothe requesting Web browser.

Also, an information server may contain, communicate, generate, obtain,and/or provide program component, system, user, and/or datacommunications, requests, and/or responses.

User Interface

Computer interfaces in some respects are similar to automobile operationinterfaces. Automobile operation interface elements such as steeringwheels, gearshifts, and speedometers facilitate the access, operation,and display of automobile resources, and status. Computer interactioninterface elements such as check boxes, cursors, menus, scrollers, andwindows (collectively and commonly referred to as widgets) similarlyfacilitate the access, capabilities, operation, and display of data andcomputer hardware and operating system resources, and status. Operationinterfaces are commonly called user interfaces. Graphical userinterfaces (GUIs) such as the Apple Macintosh Operating System's Aqua,IBM's OS/2, Microsoft's Windows2000/2003/3.1/95/98/CE/Millenium/NT/XP/Vista/7 (i.e., Aero), Unix'sX-Windows (e.g., which may include additional Unix graphic interfacelibraries and layers such as K Desktop Environment (KDE), mythTV and GNUNetwork Object Model Environment (GNOME)), web interface libraries(e.g., ActiveX, AJAX, (D)HTML, FLASH, Java, JavaScript, etc. interfacelibraries such as, but not limited to, Dojo, jQuery(UI), MooTools,Prototype, script.aculo.us, SWFObject, Yahoo! User Interface, any ofwhich may be used and) provide a baseline and means of accessing anddisplaying information graphically to users.

A user interface component 4417 is a stored program component that isexecuted by a CPU. The user interface may be a conventional graphic userinterface as provided by, with, and/or atop operating systems and/oroperating environments such as already discussed. The user interface mayallow for the display, execution, interaction, manipulation, and/oroperation of program components and/or system facilities through textualand/or graphical facilities. The user interface provides a facilitythrough which users may affect, interact, and/or operate a computersystem. A user interface may communicate to and/or with other componentsin a component collection, including itself, and/or facilities of thelike. Most frequently, the user interface communicates with operatingsystems, other program components, and/or the like. The user interfacemay contain, communicate, generate, obtain, and/or provide programcomponent, system, user, and/or data communications, requests, and/orresponses.

Web Browser

A Web browser component 4418 is a stored program component that isexecuted by a CPU. The Web browser may be a conventional hypertextviewing application such as Microsoft Internet Explorer or NetscapeNavigator. Secure Web browsing may be supplied with 128 bit (or greater)encryption by way of HTTPS, SSL, and/or the like. Web browsers allowingfor the execution of program components through facilities such asActiveX, AJAX, (D)HTML, FLASH, Java, JavaScript, web browser plug-inAPIs (e.g., FireFox, Safari Plug-in, and/or the like APIs), and/or thelike. Web browsers and like information access tools may be integratedinto PDAs, cellular telephones, and/or other mobile devices. A Webbrowser may communicate to and/or with other components in a componentcollection, including itself, and/or facilities of the like. Mostfrequently, the Web browser communicates with information servers,operating systems, integrated program components (e.g., plug-ins),and/or the like; e.g., it may contain, communicate, generate, obtain,and/or provide program component, system, user, and/or datacommunications, requests, and/or responses. Also, in place of a Webbrowser and information server, a combined application may be developedto perform similar operations of both. The combined application wouldsimilarly affect the obtaining and the provision of information tousers, user agents, and/or the like from the WIVD enabled nodes. Thecombined application may be nugatory on systems employing standard Webbrowsers.

Mail Server

A mail server component 4421 is a stored program component that isexecuted by a CPU 4403. The mail server may be a conventional Internetmail server such as, but not limited to sendmail, Microsoft Exchange,and/or the like. The mail server may allow for the execution of programcomponents through facilities such as WIVD, ActiveX, (ANSI) (Objective-)C (++), C# and/or .NET, CGI scripts, Java, JavaScript, PERL, PHP, pipes,Python, WebObjects, and/or the like. The mail server may supportcommunications protocols such as, but not limited to: Internet messageaccess protocol (IMAP), Messaging Application Programming Interface(MAPI)/Microsoft Exchange, post office protocol (POP3), simple mailtransfer protocol (SMTP), and/or the like. The mail server can route,forward, and process incoming and outgoing mail messages that have beensent, relayed and/or otherwise traversing through and/or to the WIVD.

Access to the WIVD mail may be achieved through a number of APIs offeredby the individual Web server components and/or the operating system.

Also, a mail server may contain, communicate, generate, obtain, and/orprovide program component, system, user, and/or data communications,requests, information, and/or responses.

Mail Client

A mail client component 4422 is a stored program component that isexecuted by a CPU 4403. The mail client may be a conventional mailviewing application such as Apple Mail, Microsoft Entourage, MicrosoftOutlook, Microsoft Outlook Express, Mozilla, Thunderbird, and/or thelike. Mail clients may support a number of transfer protocols, such as:IMAP, Microsoft Exchange, POP3, SMTP, and/or the like. A mail client maycommunicate to and/or with other components in a component collection,including itself, and/or facilities of the like. Most frequently, themail client communicates with mail servers, operating systems, othermail clients, and/or the like; e.g., it may contain, communicate,generate, obtain, and/or provide program component, system, user, and/ordata communications, requests, information, and/or responses. Generally,the mail client provides a facility to compose and transmit electronicmail messages.

Cryptographic Server

A cryptographic server component 4420 is a stored program component thatis executed by a CPU 4403, cryptographic processor 4426, cryptographicprocessor interface 4427, cryptographic processor device 4428, and/orthe like. Cryptographic processor interfaces will allow for expeditionof encryption and/or decryption requests by the cryptographic component;however, the cryptographic component, alternatively, may run on aconventional CPU. The cryptographic component allows for the encryptionand/or decryption of provided data. The cryptographic component allowsfor both symmetric and asymmetric (e.g., Pretty Good Protection (PGP))encryption and/or decryption. The cryptographic component may employcryptographic techniques such as, but not limited to: digitalcertificates (e.g., X.509 authentication framework), digital signatures,dual signatures, enveloping, password access protection, public keymanagement, and/or the like. The cryptographic component will facilitatenumerous (encryption and/or decryption) security protocols such as, butnot limited to: checksum, Data Encryption Standard (DES), EllipticalCurve Encryption (ECC), International Data Encryption Algorithm (IDEA),Message Digest 5 (MD5, which is a one way hash operation), passwords,Rivest Cipher (RC5), Rijndael, RSA (which is an Internet encryption andauthentication system that uses an algorithm developed in 1977 by RonRivest, Adi Shamir, and Leonard Adleman), Secure Hash Algorithm (SHA),Secure Socket Layer (SSL), Secure Hypertext Transfer Protocol (HTTPS),and/or the like. Employing such encryption security protocols, the WIVDmay encrypt all incoming and/or outgoing communications and may serve asnode within a virtual private network (VPN) with a wider communicationsnetwork. The cryptographic component facilitates the process of“security authorization” whereby access to a resource is inhibited by asecurity protocol wherein the cryptographic component effects authorizedaccess to the secured resource. In addition, the cryptographic componentmay provide unique identifiers of content, e.g., employing and MD5 hashto obtain a unique signature for an digital audio file. A cryptographiccomponent may communicate to and/or with other components in a componentcollection, including itself, and/or facilities of the like. Thecryptographic component supports encryption schemes allowing for thesecure transmission of information across a communications network toenable the WIVD component to engage in secure transactions if sodesired. The cryptographic component facilitates the secure accessing ofresources on the WIVD and facilitates the access of secured resources onremote systems; i.e., it may act as a client and/or server of securedresources. Most frequently, the cryptographic component communicateswith information servers, operating systems, other program components,and/or the like. The cryptographic component may contain, communicate,generate, obtain, and/or provide program component, system, user, and/ordata communications, requests, and/or responses.

The WIVD Database

The WIVD database component 4419 may be embodied in a database and itsstored data. The database is a stored program component, which isexecuted by the CPU; the stored program component portion configuringthe CPU to process the stored data. The database may be a conventional,fault tolerant, relational, scalable, secure database such as Oracle orSybase. Relational databases are an extension of a flat file. Relationaldatabases consist of a series of related tables. The tables areinterconnected via a key field. Use of the key field allows thecombination of the tables by indexing against the key field; i.e., thekey fields act as dimensional pivot points for combining informationfrom various tables. Relationships generally identify links maintainedbetween tables by matching primary keys. Primary keys represent fieldsthat uniquely identify the rows of a table in a relational database.More precisely, they uniquely identify rows of a table on the “one” sideof a one-to-many relationship.

Alternatively, the WIVD database may be implemented using variousstandard data-structures, such as an array, hash, (linked) list, struct,structured text file (e.g., XML), table, and/or the like. Suchdata-structures may be stored in memory and/or in (structured) files. Inanother alternative, an object-oriented database may be used, such asFrontier, ObjectStore, Poet, Zope, and/or the like. Object databases caninclude a number of object collections that are grouped and/or linkedtogether by common attributes; they may be related to other objectcollections by some common attributes. Object-oriented databases performsimilarly to relational databases with the exception that objects arenot just pieces of data but may have other types of capabilitiesencapsulated within a given object. If the WIVD database is implementedas a data-structure, the use of the WIVD database 4419 may be integratedinto another component such as the WIVD component 4435. Also, thedatabase may be implemented as a mix of data structures, objects, andrelational structures. Databases may be consolidated and/or distributedin countless variations through standard data processing techniques.Portions of databases, e.g., tables, may be exported and/or imported andthus decentralized and/or integrated.

In one embodiment, the database component 4419 includes several tables4419 a-q. A Users table 4419 a may include fields such as, but notlimited to: user_id, ssn, dob, first_name, last_name, age, state,address_firstline, address_secondline, zipcode, devices_list,contact_info, contact_type, alt_contact_info, alt_contact_type,user_gender, user_clothing_size, user_body_type, user_eye_color,user_hair_color, user_complexion, user_personalized_gesture_models,user_recommended_items, user_image, user_image_date,user_bodyjoint_location, and/or the like. The Users table may supportand/or track multiple entity accounts on a WIVD. A Devices table 4419 bmay include fields such as, but not limited to: device_ID, device_name,device_IP, device_GPS, device_MAC, device_serial, device_ECID,device_UDID, device_browser, device_type, device_model, device_version,device_OS, device_apps_list, device_securekey,wallet_app_installed_flag, and/or the like. An Apps table 4419 c mayinclude fields such as, but not limited to: app_ID, app_name, app_type,app_dependencies, app_access_code, user_pin, and/or the like. AnAccounts table 4419 d may include fields such as, but not limited to:account_number, account_security_code, account_name,issuer_acquirer_flag, issuer_name, acquirer_name, account_address,routing_number, access_API_call, linked_wallets_list, and/or the like. AMerchants table 4419 e may include fields such as, but not limited to:merchant_id, merchant_name, merchant_address, store_id, ip_address,mac_address, auth_key, port_num, security_settings_list, and/or thelike. An Issuers table 4419 f may include fields such as, but notlimited to: issuer_id, issuer_name, issuer_address, ip_address,mac_address, auth_key, port_num, security_settings_list, and/or thelike. An Acquirers table 4419 g may include fields such as, but notlimited to: account_firstname, account_lastname, account_type,account_num, account_balance_list, billingaddress_line1,billingaddress_line2, billing_zipcode, billing_state,shipping_preferences, shippingaddress_line1, shippingaddress_line2,shipping_zipcode, shipping_state, and/or the like. A Pay Gateways table4419 h may include fields such as, but not limited to: gateway_ID,gateway_IP, gateway_MAC, gateway_secure_key, gateway_access_list,gateway_API_call_list, gateway_services_list, and/or the like. A ShopSessions table 4419 i may include fields such as, but not limited to:user_id, session_id, alerts_URL, timestamp, expiry_lapse, merchant_id,store_id, device_type, device_ID, device_IP, device_MAC, device_browser,device_serial, device_ECID, device_model, device_OS,wallet_app_installed, total_cost, cart_ID_list, product_params_list,social_flag, social_message, social_networks_list, coupon_lists,accounts_list, CVV2_lists, charge_ratio_list, charge_priority_list,value_exchange_symbols_list, bill_address, ship_address, cloak_flag,pay_mode, alerts_rules_list, and/or the like. A Transactions table 4419j may include fields such as, but not limited to: order_id, user_id,timestamp, transaction_cost, purchase_details_list, num_products,products_list, product_type, product_params_list, product_title, productsummary, quantity, user_id, client_id, client_ip, client_type,client_model, operating_system, os_version, app_installed_flag, user_id,account_firstname, account_lastname, account_type, account_num,account_priority_account_ratio, billingaddress_line1,billingaddress_line2, billing_zipcode, billing_state,shipping_preferences, shippingaddress_line1, shippingaddress_line2,shipping_zipcode, shipping_state, merchant_id, merchant_name,merchant_auth_key, and/or the like. A Batches table 4419 k may includefields such as, but not limited to: batch_id, transaction_id_list,timestamp_list, cleared_flag_list, clearance_trigger_settings, and/orthe like. A Ledgers table 4419 l may include fields such as, but notlimited to: request_id, timestamp, deposit_amount, batch_id,transaction_id, clear_flag, deposit_account, transaction_summary,payor_name, payor_account, and/or the like. A Products table 4419 m mayinclude fields such as, but not limited to: product_ID, product_title,product_attributes_list, product_price, tax_info_list,related_products_list, offers_list, discounts_list, rewards_list,merchants_list, merchant_availability_list, product_date_added,product_image, product_qr, product_manufacturer, product_model,product_aisle, product_stack, product_shelf, product_type, and/or thelike. An Offers table 4419 n may include fields such as, but not limitedto: offer_ID, offer_title, offer_attributes_list, offer_price,offer_expiry, related_products_list, discounts_list, rewards_list,merchants_list, merchant_availability_list, and/or the like. A BehaviorData table 4419 o may include fields such as, but not limited to:user_id, timestamp, activity_type, activity_location, activityattribute_list, activity_attribute_values_list, and/or the like. A LabelAnalytics table 4419 p may include fields such as, but not limited to:label_id, label_name, label_format, label_account_type,label_session_id, label_session_type, label_product_id,label_product_type, Label_transaction_id, label_transaction_type, and/orthe like. A Social table 4419 q may include fields such as, but notlimited to: social_id, social_name, social_server_id, social_server_ip,social_domain_id, social_source, social_feed_id, social_feed_source,social_comment, social_comment_time, social_comment_keyterms,social_comment_product_id, and/or the like. A MDGA table 4419 r includesfields such as, but not limited to: MDGA_id, MDGA_name,MDGA_touch_gestures, MDGA_finger_gestures, MDGA_QR_gestures,MDGA_object_gestures, MDGA_vocal_commands, MDGA_merchant, and/or thelike. The MDGA table may support and/or track multiple possiblecomposite actions on a WIVD. A payment device table 4419 s includesfields such as, but not limited to: pd_id, pd_user, pd_type, pd_issuer,pd_issuer_id, pd_qr, pd_date_added, and/or the like. The payment devicetable may support and/or track multiple payment devices used on a WIVD.An object gestures table 4419 t includes fields such as, but not limitedto: object_gesture_id, object_gesture_type, object_gesture_x,object_gesture_x, object_gesture_merchant, and/or the like. The objectgesture table may support and/or track multiple object gesturesperformed on a WIVD. A touch gesture table 4419 u includes fields suchas, but not limited to: touch_gesture_id, touch_gesture_type,touch_gesture_x, touch_gesture_x, touch_gesture_merchant, and/or thelike. The touch gestures table may support and/or track multiple touchgestures performed on a WIVD.A finger gesture table 4419 v includesfields such as, but not limited to: finger_gesture_id,finger_gesture_type, finger_gesture_x, finger_gesture_x,finger_gesture_merchant, and/or the like. The finger gestures table maysupport and/or track multiple finger gestures performed on a WIVD. A QRgesture table 4419 w includes fields such as, but not limited to:QR_gesture_id, QR_gesture_type, QR_gesture_x, QR_gesture_x,QR_gesture_merchant, and/or the like. The QR gestures table may supportand/or track multiple QR gestures performed on a WIVD. A vocal commandtable 4419 x includes fields such as, but not limited to: vc_id,vc_name, vc_command_list, and/or the like. The vocal command gesturestable may support and/or track multiple vocal commands performed on aWIVD. A biometrics table 4419 y includes fields such as, but not limitedto bio_data_id, bio_data_time, bio_data_user_id, bio_data_wallet_id,bio_data_type, bio_data_content, bio_data_image, and/or the like.

In one embodiment, the WIVD database may interact with other databasesystems. For example, employing a distributed database system, queriesand data access by search WIVD component may treat the combination ofthe WIVD database, an integrated data security layer database as asingle database entity.

In one embodiment, user programs may contain various user interfaceprimitives, which may serve to update the WIVD. Also, various accountsmay require custom database tables depending upon the environments andthe types of clients the WIVD may need to serve. It should be noted thatany unique fields may be designated as a key field throughout. In analternative embodiment, these tables have been decentralized into theirown databases and their respective database controllers (i.e.,individual database controllers for each of the above tables). Employingstandard data processing techniques, one may further distribute thedatabases over several computer systemizations and/or storage devices.Similarly, configurations of the decentralized database controllers maybe varied by consolidating and/or distributing the various databasecomponents 4419 a-x. The WIVD may be configured to keep track of varioussettings, inputs, and parameters via database controllers.

The WIVD database may communicate to and/or with other components in acomponent collection, including itself, and/or facilities of the like.Most frequently, the WIVD database communicates with the WIVD component,other program components, and/or the like. The database may contain,retain, and provide information regarding other nodes and data.

The WIVDs

The WIVD component 4435 is a stored program component that is executedby a CPU. In one embodiment, the WIVD component incorporates any and/orall combinations of the aspects of the WIVD discussed in the previousfigures. As such, the WIVD affects accessing, obtaining and theprovision of information, services, transactions, and/or the like acrossvarious communications networks.

The WIVD component may transform reality scene visual captures (e.g.,see 213 in FIG. 2A, etc.) via WIVD components (e.g., fingertip detectioncomponent 4442, image processing component 4443, virtual labelgeneration 4444, auto-layer injection component 4445, user settingcomponent 4446, wallet snap component 4447, mixed gesture detectioncomponent 4448, and/or the like) into transaction settlements, and/orthe like and use of the WIVD. In one embodiment, the WIVD component 4435takes inputs (e.g., user selection on one or more of the presentedoverlay labels such as fund transfer 227 d in FIG. 2C, etc.; checkoutrequest 3811; product data 3815; wallet access input 4011; transactionauthorization input 4014; payment gateway address 4018; payment networkaddress 4022; issuer server address(es) 4025; funds authorizationrequest(s) 4026; user(s) account(s) data 4028; batch data 4212; paymentnetwork address 4216; issuer server address(es) 4224; individual paymentrequest 4225; payment ledger, merchant account data 4231; and/or thelike) etc., and transforms the inputs via various components (e.g., userselection on one or more of the presented overlay labels such as fundtransfer 227 d in FIG. 2C, etc.; UPC 4453; PTA 4451 PTC 4452; and/or thelike), into outputs (e.g., fund transfer receipt 239 in FIG. 2E;checkout request message 3813; checkout data 3817; card authorizationrequest 4016, 4023; funds authorization response(s) 4030; transactionauthorization response 4032; batch append data 4034; purchase receipt4035; batch clearance request 4214; batch payment request 4218;transaction data 4220; individual payment confirmation 4228, 4229;updated payment ledger, merchant account data 4233; and/or the like).

The WIVD component enabling access of information between nodes may bedeveloped by employing standard development tools and languages such as,but not limited to: Apache components, Assembly, ActiveX, binaryexecutables, (ANSI) (Objective-) C(++), C# and/or .NET, databaseadapters, CGI scripts, Java, JavaScript, mapping tools, procedural andobject oriented development tools, PERL, PHP, Python, shell scripts, SQLcommands, web application server extensions, web developmentenvironments and libraries (e.g., Microsoft's ActiveX; Adobe AIR, FLEX &FLASH; AJAX; (D)HTML; Dojo, Java; JavaScript; jQuery(UI); MooTools;Prototype; script.aculo.us; Simple Object Access Protocol (SOAP);SWFObject; Yahoo! User Interface; and/or the like), WebObjects, and/orthe like. In one embodiment, the WIVD server employs a cryptographicserver to encrypt and decrypt communications. The WIVD component maycommunicate to and/or with other components in a component collection,including itself, and/or facilities of the like. Most frequently, theWIVD component communicates with the WIVD database, operating systems,other program components, and/or the like. The WIVD may contain,communicate, generate, obtain, and/or provide program component, system,user, and/or data communications, requests, and/or responses.

Distributed WIVDs

The structure and/or operation of any of the WIVD node controllercomponents may be combined, consolidated, and/or distributed in anynumber of ways to facilitate development and/or deployment. Similarly,the component collection may be combined in any number of ways tofacilitate deployment and/or development. To accomplish this, one mayintegrate the components into a common code base or in a facility thatcan dynamically load the components on demand in an integrated fashion.

The component collection may be consolidated and/or distributed incountless variations through standard data processing and/or developmenttechniques. Multiple instances of any one of the program components inthe program component collection may be instantiated on a single node,and/or across numerous nodes to improve performance throughload-balancing and/or data-processing techniques. Furthermore, singleinstances may also be distributed across multiple controllers and/orstorage devices; e.g., databases. All program component instances andcontrollers working in concert may do so through standard dataprocessing communication techniques.

The configuration of the WIVD controller will depend on the context ofsystem deployment. Factors such as, but not limited to, the budget,capacity, location, and/or use of the underlying hardware resources mayaffect deployment requirements and configuration. Regardless of if theconfiguration results in more consolidated and/or integrated programcomponents, results in a more distributed series of program components,and/or results in some combination between a consolidated anddistributed configuration, data may be communicated, obtained, and/orprovided. Instances of components consolidated into a common code basefrom the program component collection may communicate, obtain, and/orprovide data. This may be accomplished through intra-application dataprocessing communication techniques such as, but not limited to: datareferencing (e.g., pointers), internal messaging, object instancevariable communication, shared memory space, variable passing, and/orthe like.

If component collection components are discrete, separate, and/orexternal to one another, then communicating, obtaining, and/or providingdata with and/or to other components may be accomplished throughinter-application data processing communication techniques such as, butnot limited to: Application Program Interfaces (API) informationpassage; (distributed) Component Object Model ((D)COM), (Distributed)Object Linking and Embedding ((D)OLE), and/or the like), Common ObjectRequest Broker Architecture (CORBA), Jini local and remote applicationprogram interfaces, JavaScript Object Notation (JSON), Remote MethodInvocation (RMI), SOAP, process pipes, shared files, and/or the like.Messages sent between discrete component components forinter-application communication or within memory spaces of a singularcomponent for intra-application communication may be facilitated throughthe creation and parsing of a grammar. A grammar may be developed byusing development tools such as lex, yacc, XML, and/or the like, whichallow for grammar generation and parsing capabilities, which in turn mayform the basis of communication messages within and between components.

For example, a grammar may be arranged to recognize the tokens of anHTTP post command, e.g.:

-   -   w3c-post http:// . . . Value1

where Value1 is discerned as being a parameter because “http://” is partof the grammar syntax, and what follows is considered part of the postvalue. Similarly, with such a grammar, a variable “Value1” may beinserted into an “http://” post command and then sent. The grammarsyntax itself may be presented as structured data that is interpretedand/or otherwise used to generate the parsing mechanism (e.g., a syntaxdescription text file as processed by lex, yacc, etc.). Also, once theparsing mechanism is generated and/or instantiated, it itself mayprocess and/or parse structured data such as, but not limited to:character (e.g., tab) delineated text, HTML, structured text streams,XML, and/or the like structured data. In another embodiment,inter-application data processing protocols themselves may haveintegrated and/or readily available parsers (e.g., JSON, SOAP, and/orlike parsers) that may be employed to parse (e.g., communications) data.Further, the parsing grammar may be used beyond message parsing, but mayalso be used to parse: databases, data collections, data stores,structured data, and/or the like. Again, the desired configuration willdepend upon the context, environment, and requirements of systemdeployment.

For example, in some implementations, the WIVD controller may beexecuting a PHP script implementing a Secure Sockets Layer (“SSL”)socket server via the information server, which listens to incomingcommunications on a server port to which a client may send data, e.g.,data encoded in JSON format. Upon identifying an incoming communication,the PHP script may read the incoming message from the client device,parse the received JSON-encoded text data to extract information fromthe JSON-encoded text data into PHP script variables, and store the data(e.g., client identifying information, etc.) and/or extractedinformation in a relational database accessible using the StructuredQuery Language (“SQL”). An exemplary listing, written substantially inthe form of PHP/SQL commands, to accept JSON-encoded input data from aclient device via a SSL connection, parse the data to extract variables,and store the data to a database, is provided below:

<?PHP header(′Content-Type: text/plain′); // set ip address and port tolisten to for incoming data $address = ‘192.168.0.100’; $port = 855; //create a server-side SSL socket, listen for/accept incomingcommunication $sock = socket_create(AF_INET, SOCK_STREAM, 0);socket_bind($sock, $address, $port) or die(‘Could not bind to address’);socket_listen($sock); $client = socket_accept($sock); // read input datafrom client device in 1024 byte blocks until end of message do { $input= “”; $input = socket_read($client, 1024); $data .= $input; }while($input != “”); // parse data to extract variables $obj =json_decode($data, true); // store input data in a databasemysql_connect(″201.408.185.132″,$DBserver,$password); // access databaseserver mysql_select(″CLIENT_DB.SQL″); // select database to appendmysql_query(“INSERT INTO UserTable (transmission) VALUES ($data)”); //add data to UserTable table in a CLIENT databasemysql_close(″CLIENT_DB.SQL″); // close connection to database ?>

Also, the following resources may be used to provide example embodimentsregarding SOAP parser implementation:

http://www.xav.com/perl/site/lib/SOAP/Parser.htmlhttp://publib.boulder.ibm.com/infocenter/tivihelp/v2r1/index.jsp?topic=/com.ibm.IBMDI.doc/referenceguide295.htm

and other parser implementations:

http://publib.boulder.ibm.com/infocenter/tivihelp/v2r1/index.jsp?topic=/com.ibm.IBMDI.doc/referenceguide259.htm

all of which are hereby expressly incorporated by reference herein.

In order to address various issues and advance the art, the entirety ofthis application for WEARABLE INTELLIGENT VISION DEVICE APPARATUSES,METHODS AND SYSTEMS (including the Cover Page, Title, Headings, Field,Background, Summary, Brief Description of the Drawings, DetailedDescription, Claims, Abstract, Figures, Appendices and/or otherwise)shows by way of illustration various embodiments in which the claimedinnovations may be practiced. The advantages and features of theapplication are of a representative sample of embodiments only, and arenot exhaustive and/or exclusive. They are presented only to assist inunderstanding and teach the claimed principles. It should be understoodthat they are not representative of all claimed innovations. As such,certain aspects of the disclosure have not been discussed herein. Thatalternate embodiments may not have been presented for a specific portionof the innovations or that further undescribed alternate embodiments maybe available for a portion is not to be considered a disclaimer of thosealternate embodiments. It will be appreciated that many of thoseundescribed embodiments incorporate the same principles of theinnovations and others are equivalent. Thus, it is to be understood thatother embodiments may be utilized and functional, logical, operational,organizational, structural and/or topological modifications may be madewithout departing from the scope and/or spirit of the disclosure. Assuch, all examples and/or embodiments are deemed to be non-limitingthroughout this disclosure. Also, no inference should be drawn regardingthose embodiments discussed herein relative to those not discussedherein other than it is as such for purposes of reducing space andrepetition. For instance, it is to be understood that the logical and/ortopological structure of any combination of any program components (acomponent collection), other components and/or any present feature setsas described in the figures and/or throughout are not limited to a fixedoperating order and/or arrangement, but rather, any disclosed order isexemplary and all equivalents, regardless of order, are contemplated bythe disclosure. Furthermore, it is to be understood that such featuresare not limited to serial execution, but rather, any number of threads,processes, services, servers, and/or the like that may executeasynchronously, concurrently, in parallel, simultaneously,synchronously, and/or the like are contemplated by the disclosure. Assuch, some of these features may be mutually contradictory, in that theycannot be simultaneously present in a single embodiment. Similarly, somefeatures are applicable to one aspect of the innovations, andinapplicable to others. In addition, the disclosure includes otherinnovations not presently claimed. Applicant reserves all rights inthose presently unclaimed innovations, including the right to claim suchinnovations, file additional applications, continuations, continuationsin part, divisions, and/or the like thereof. As such, it should beunderstood that advantages, embodiments, examples, functional, features,logical, operational, organizational, structural, topological, and/orother aspects of the disclosure are not to be considered limitations onthe disclosure as defined by the claims or limitations on equivalents tothe claims. It is to be understood that, depending on the particularneeds and/or characteristics of a WIVD individual and/or enterpriseuser, database configuration and/or relational model, data type, datatransmission and/or network framework, syntax structure, and/or thelike, various embodiments of the WIVD may be implemented that enable agreat deal of flexibility and customization. For example, aspects of theWIVD may be adapted for (electronic/financial) trading systems,financial planning systems, and/or the like. While various embodimentsand discussions of the WIVD have been directed to enhanced interactiveuser interface, however, it is to be understood that the embodimentsdescribed herein may be readily configured and/or customized for a widevariety of other applications and/or implementations.

What is claimed is:
 1. A processor-implemented method for completing a transaction payment and procuring payment information, comprising: synchronizing output of a computing device worn by a user with a digital wallet application executing on a mobile computing device carried by the user; receiving, by a processing system and the digital wallet application, biometric information associated with a user, wherein the biometric information is measured by the computing device worn by the user; receiving, by the processing system and the digital wallet application, environmental information associated with present conditions at the user, the environmental information including one or more of a user's current view, a user's current location, a current temperature, and a current humidity; pushing the biometric information and the environmental information to a remote computing system from the mobile computing device via the digital wallet application; identifying, by the remote computing system, at least one product or at least one product category based on the environmental information; determining, by the remote computing system, an interest level of the user in the at least one product or at least one product category based on the biometric information and the environmental information exceeding a threshold value; receiving, by the processing system, a message from the remote computing system upon determining the interest level, the message based on both the determined interest level and the identified at least one product or at least one product category, the message including information to influence a purchase decision of the identified at least one product or at least one product category by the user; delivering the message to the digital wallet application via the mobile computing device; and fulfilling a transaction payment and procuring payment information for the purchase decision of the identified at least one product or at least one product category without generating a paper bill.
 2. The method of claim 1, further comprising: receiving, by the processing system, a second biometric information associated with the user, wherein the second biometric information is measured by the device worn by the user or by a second device worn by the user; authenticating, by the processing system, the user based on the second biometric information.
 3. The method of claim 2, further comprising: transmitting, by the processing system, the second biometric information or data associated with the second biometric information to a remote server; receiving, by the processing system, a response from the remote server; wherein said step of authenticating is based on the response from the remote server.
 4. The method of claim 1, further comprising: requesting, by the processing system, the device worn by the user to measure a second biometric information associated with the user; requesting, by the processing system, the device worn by the user or a second device to transmit to a remote server the second biometric information for authenticating the user, wherein the second user device is communicatively linked to the device worn by the user; receiving, by the processing system, a transmission from the remote server indicating whether the user is authenticated by the second biometric information.
 5. The method of claim 1, further comprising: transmitting, by the processing system, the biometric information to a remote server so that at least some data associated with the biometric information may be stored in a user profile associated with the user.
 6. The method of claim 1, where said step of determining an interest level includes: transmitting, by the processing system, the biometric information to a remote server; comparing, by the remote server, the biometric information to data associated with historical biometric information associated with the user; determining, by the remote server, an interested-level analysis based on said step of comparing; transmitting, by the remote server, data associated with the interest-level analysis to the processing system; wherein said step of determining, by the processing system, the interest level of the user is further based on the data associated with the interest-level analysis.
 7. The method of claim 1, wherein the device worn by the user is in a form of a wrist watch, and wherein the device worn by the user includes sensors capable of measuring biometric information through contact with the user.
 8. The method of claim 1, wherein the device worn by the user is in a form of an eyewear, wherein the device worn by the user includes sensors capable of measuring biometric information through contact with the user, and wherein the device worn by the user includes cameras.
 9. The method of claim 1, wherein the biometric information is heart rate or brain activity.
 10. The method of claim 1, wherein the message is a promotional message.
 11. The method of claim 1, wherein the message is displayed on the mobile computing device via the digital wallet application.
 12. The method of claim 1, further comprising: receiving, by the processing system, a user response to the message from the device worn by the user.
 13. The method of claim 1, wherein the processing system is associated with a merchant.
 14. The method of claim 1, further comprising: obtaining, by the processing system, check-in information associated with the user from a detector, wherein the check-in information is transmitted from the mobile computing device via the digital wallet application and detected by the detector.
 15. A processor-implemented system for completing a transaction payment and procuring payment information, comprising: a mobile computing device including one or more first data processors and a first memory disposed in communication with the one or more first data processors and storing processor-executable instructions to: receive biometric information associated with a user, wherein the biometric information is measured by a device worn by the user; and receive environmental information associated with present conditions at the user, the environmental information including one or more of a user's current view, a user's current location, a current temperature, and a current humidity; and synchronize the biometric information and the environmental information to a digital wallet application executing on the mobile computing device; a remote computing system including one or more second data processors and a second memory disposed in communication with the one or more second data processors and storing processor-executable instructions to: receive the biometric information and the environmental information from the mobile computing device via the digital wallet application; identify at least one product or at least one product category based on the environmental information; determine an interest level of the user in the at least one product or at least one product category based on the biometric information and the environmental information exceeding a threshold value; send a message to the mobile computing device upon the one or more second processors executing the instruction to determine the interest level of the user, the message based on both the determined interest level and the identified at least one product or at least one product category, the message including information to influence a purchase decision of the identified at least one product or at least one product category by the user; deliver the message to the digital wallet application via the mobile computing device; and fulfill a transaction payment and procuring payment information for the purchase decision of the identified at least one product or at least one product category without generating a paper bill.
 16. The system of claim 15, wherein the second biometric information is measured by the device worn by the user or by a second device worn by the user; wherein the user is authenticated based on the second biometric information.
 17. The system of claim 16, wherein the stored processor-executable instructions: transmit the second biometric information or data associated with the second biometric information to a remote server; receive a response from the remote server; wherein authentication is based on the response from the remote server.
 18. The system of claim 15, wherein the stored processor-executable instructions: request the device worn by the user to measure a second biometric information associated with the user; request the device worn by the user or a second device to transmit to a remote server the second biometric information for authenticating the user, wherein the second user device is communicatively linked to the device worn by the user; receive a transmission from the remote server indicating whether the user is authenticated by the second biometric information.
 19. The system of claim 15, wherein the stored processor-executable instructions: transmit the biometric information to a remote server so that at least some data associated with the biometric information may be stored in a user profile associated with the user.
 20. The system of claim 15, wherein the stored processor-executable instructions: transmit the biometric information to a remote server; compare the biometric information to data associated with historical biometric information associated with the user; determine an interested-level analysis based on said step of comparing; transmit data associated with the interest-level analysis to the processing system; wherein said of determining the interest level of the user is further based on the data associated with the interest-level analysis.
 21. The system of claim 15, wherein the device worn by the user is in a form of a wrist watch, and wherein the device worn by the user includes sensors capable of measuring biometric information through contact with the user.
 22. The system of claim 15, wherein the device worn by the user is in a form of an eyewear, wherein the device worn by the user includes sensors capable of measuring biometric information through contact with the user, and wherein the device worn by the user includes cameras.
 23. The system of claim 15, wherein the biometric information is heart rate or brain activity.
 24. The system of claim 15, wherein the message is a promotional message.
 25. The system of claim 15, wherein the message is displayed on the mobile computing device via the digital wallet application.
 26. The system of claim 15, wherein the stored processor-executable instructions: receive a user response to the message from the device worn by the user.
 27. The system of claim 15, wherein the one or more data processors are associated with a merchant.
 28. The system of claim 15, wherein the stored processor-executable instructions: obtain check-in information associated with the user from a detector, wherein the check-in information is transmitted from the mobile computing device via the digital wallet application and detected by the detector.
 29. A processor-implemented non-transitory computer-readable medium storing processor-executable instructions for completing a transaction payment and procuring payment information, said instructions executable by one or more data processors to: receive biometric information associated with a user at a first computing device carried by the user, wherein the biometric information is measured by a second computing device worn by the user; receive environmental information at a first computing device, the environmental information associated with present conditions at the user, the environmental information measured by the second computing and including one or more of a user's current view, a user's current location, a current temperature, and a current humidity; synchronize the biometric information and the environmental information to a digital wallet application executing on the first computing device; push the biometric information and the environmental information to a remote computing system from the first computing device via the digital wallet application; identify at least one product or at least one product category based on the environmental information; determine an interest level of the user in the at least one product or at least one product category based on the biometric information and the environmental information exceeding a threshold value; send a message to the digital wallet application via the first computing device, the message sent upon the one or more data processors executing the instruction to determine an interest level of the user, the message based on both the determined interest level and the identified at least one product or at least one product category, the message including information to influence a purchase decision of the identified at least one product or at least one product category by the user; deliver the message to the digital wallet application via the mobile computing device; and fulfill a transaction payment and procuring payment information for the purchase decision of the identified at least one product or at least one product category without generating a paper bill. 